ZIP Code 79401 — Lubbock city, TX Demographics & Data

ZIP code 79401 covers Lubbock, TX in Lubbock County with a population of about 8,641.

At a glance, the area shows median age of 23.2 versus a U.S. median of about 38.9.

It sits in telephone area code 806; U.S. House district TX-19; the LUBBOCK media market.

Lubbock, TX sits in a university / college context (near texas tech university (1.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 79401 is about $27,255 — about 64% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 49.2%; unemployment rate near 3.7%; 25.6% of adults with a bachelor’s degree or higher (about 8.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Education, and Retail trade; about 7.6% of workers reporting work-from-home (about 7.6 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 $101,500 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $929 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 11.5% (about 53.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 79401 in Lubbock, TX, a household would need roughly $28,000 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 $652. That is roughly in line with the local median household income ($27,255). 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 Lubbock city, TX as Relatively High (composite score 96.2), which is among the highest nationally. The strongest component scores on US5 are flood (92.1) and wildfire (86.2). 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 Lubbock city, TX show little to no average snow and around 19.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 408 for ZIP 79401 (Lubbock 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.