ZIP Code 76401 — Stephenville city, TX Demographics & Data

ZIP code 76401 covers Stephenville, TX in Erath County with a population of about 30,873.

At a glance, the area shows median age of 30.1 versus a U.S. median of about 38.9.

It sits in telephone area code 254; U.S. House district TX-25; the DALLAS - FT. WORTH media market.

Median household income in ZIP 76401 is about $60,864 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.9%; unemployment rate near 6.0%; 35.0% of adults with a bachelor’s degree or higher (about 1.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Healthcare; about 5.5% of workers reporting work-from-home (about 9.7 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $252,000 — about 28% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $943 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 56.9% (about 8.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76401 in Stephenville, TX, a household would need roughly $69,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,619. That is roughly in line with the local median household income ($60,864). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Stephenville city, TX as Relatively Low (composite score 75.0), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (95.5) and flood (72.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Stephenville city, TX show little to no average snow and around 34.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,456 for ZIP 76401 (Stephenville city, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.