ZIP Code 76541 — Killeen city, TX Demographics & Data

ZIP code 76541 covers Killeen, TX in Bell County with a population of about 18,571.

At a glance, the area shows median age of 31.6 versus a U.S. median of about 38.9.

It sits in telephone area code 254; U.S. House district TX-11; the WACO - TEMPLE - BRYAN media market.

Median household income in ZIP 76541 is about $36,739 — about 51% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.5%; unemployment rate near 14.3%; 11.8% of adults with a bachelor’s degree or higher (about 21.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Food services; about 5.3% of workers reporting work-from-home (about 9.9 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 $97,500 — about 72% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $673 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 23.5% (about 41.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76541 in Killeen, TX, a household would need roughly $27,000 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 $626. That sits below the local median household income ($36,739), 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 Killeen city, TX as Relatively Moderate (composite score 91.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (89.7) and flood (89.2). 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 Killeen city, TX show little to no average snow and around 34.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 876 for ZIP 76541 (Killeen 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.