ZIP Code 75487 — Talco city, TX Demographics & Data

ZIP code 75487 covers Talco, TX in Franklin County with a population of about 1,110.

At a glance, the area shows median age of 48.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 430, 903; U.S. House district TX-1; the TYLER - LONGVIEW (LFKN & NCGD) media market.

Median household income in ZIP 75487 is about $33,707 — about 55% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 33.3%; unemployment rate near 7.5%; 9.8% of adults with a bachelor’s degree or higher (about 23.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Food services; about 1.8% of workers reporting work-from-home (about 13.4 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 $112,300 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $281 (about 76% below the U.S. median rent ($1,163)), and owner-occupancy near 87.1% (about 21.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75487 in Talco, TX, a household would need roughly $31,000 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 $721. That is roughly in line with the local median household income ($33,707). 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 Talco city, TX as Very Low (composite score 24.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (58.8) and hurricane (55.5). 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 Talco city, TX show little to no average snow and around 48.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 52 for ZIP 75487 (Talco 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.