ZIP Code 76676 — Penelope town, TX Demographics & Data

ZIP code 76676 covers Penelope, TX in Hill County with a population of about 353.

At a glance, the area shows median age of 35.8 versus a U.S. median of about 38.9.

It sits in telephone area code 254; U.S. House district TX-6; the DALLAS - FT. WORTH media market.

Median household income in ZIP 76676 is about $75,500 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 1.9%; 26.9% of adults with a bachelor’s degree or higher (about 6.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 1.9% of workers reporting work-from-home (about 13.3 points below the U.S. share (15.2%)); a mean commute of about 152.0 minutes (U.S. average near 26.8).

Median home value is about $133,300 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $600 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 95.5% (about 30.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76676 in Penelope, TX, a household would need roughly $37,000 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 $856. That sits below the local median household income ($75,500), 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 Penelope town, TX as Relatively Low (composite score 73.0), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (82.2) and hurricane (65.9). 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 Penelope town, TX show little to no average snow and around 38.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 76676 (Penelope town, 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.