ZIP Code 76519 — Ben Arnold CDP, TX Demographics & Data

ZIP code 76519 covers Ben Arnold, TX in Milam County with a population of about 672.

At a glance, the area shows median age of 37.5 (near the U.S. median).

It sits in telephone area code 254; U.S. House district TX-17; the WACO - TEMPLE - BRYAN media market.

Median household income in ZIP 76519 is about $73,947 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.5%; unemployment rate near 0.0%; 28.8% of adults with a bachelor’s degree or higher (about 4.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Utilities; about 4.0% of workers reporting work-from-home (about 11.2 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 $156,600 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 85.1% (about 19.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76519 in Ben Arnold, TX, a household would need roughly $43,000 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 $1,006. That sits below the local median household income ($73,947), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Ben Arnold CDP, TX as Relatively Low (composite score 58.1), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (77.8) and wildfire (65.6). 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 Ben Arnold CDP, TX show little to no average snow and around 38.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 32 for ZIP 76519 (Ben Arnold CDP, 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.