ZIP Code 79738 — Gail CDP, TX Demographics & Data

ZIP code 79738 covers Gail, TX in Borden County with a population of about 426.

At a glance, the area shows median age of 27.0 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.

Median household income in ZIP 79738 is about $54,250 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 0.0%; 44.4% of adults with a bachelor’s degree or higher (about 10.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Other services, and Agriculture; a mean commute of about 163.0 minutes (U.S. average near 26.8).

Median home value is about $85,800 — about 75% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 59.7% (about 5.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 79738 in Gail, TX, a household would need roughly $24,000 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 $551. That sits below the local median household income ($54,250), 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 Gail CDP, TX as Very Low (composite score 5.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (74.7) and hurricane (10.8). 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 Gail CDP, TX show little to no average snow and around 19.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 79738 (Gail 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.