ZIP Code 76523 — undefined, TX Demographics & Data

ZIP code 76523 covers TX in Milam County with a population of about 402.

At a glance, the area shows median age of 57.5 versus a U.S. median of about 38.9.

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

TX fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 76523 is about $69,896 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.9%; unemployment rate near 0.0%; 4.1% of adults with a bachelor’s degree or higher (about 29.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Wholesale trade; about 13.8% of workers reporting work-from-home (about 1.4 points below the U.S. share (15.2%)); a mean commute of about 163.0 minutes (U.S. average near 26.8).

Median home value is about $169,500 — about 51% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.4% (about 29.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76523 in TX, a household would need roughly $47,000 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 $1,089. That sits below the local median household income ($69,896), 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 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 TX show little to no average snow and around 35.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 76523 (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.