ZIP Code 75489 — Tom Bean city, TX Demographics & Data

ZIP code 75489 covers Tom Bean, TX in Grayson County with a population of about 716.

At a glance, the area shows median age of 50.0 versus a U.S. median of about 38.9.

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

Median household income in ZIP 75489 is about $85,347 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 3.5%; 16.3% of adults with a bachelor’s degree or higher (about 17.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Manufacturing, and Education; about 16.4% of workers reporting work-from-home (about 1.2 points above 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 $228,400 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $956 (about 18% below the U.S. median rent ($1,163)), and owner-occupancy near 66.0% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75489 in Tom Bean, TX, a household would need roughly $63,000 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 $1,467. That sits below the local median household income ($85,347), 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 Tom Bean city, TX as Relatively Low (composite score 80.3), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (86.0) and flood (79.5). 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 Tom Bean city, TX show little to no average snow and around 44.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 75489 (Tom Bean 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.