ZIP Code 75440 — Emory city, TX Demographics & Data

ZIP code 75440 covers Emory, TX in Rains County with a population of about 7,480.

At a glance, the area shows median age of 47.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 430, 903; U.S. House district TX-4; the DALLAS - FT. WORTH media market.

Median household income in ZIP 75440 is about $64,893 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.9%; unemployment rate near 2.7%; 25.5% of adults with a bachelor’s degree or higher (about 8.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 7.8% of workers reporting work-from-home (about 7.4 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 $270,400 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $807 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 82.3% (about 16.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75440 in Emory, TX, a household would need roughly $74,000 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 $1,737. That is roughly in line with the local median household income ($64,893). 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 Emory city, TX as Very Low (composite score 14.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (42.5) and hurricane (42.0). 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 Emory city, TX show little to no average snow and around 45.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 353 for ZIP 75440 (Emory 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.