ZIP Code 75643 — Gary City town, TX Demographics & Data

ZIP code 75643 covers Gary City, TX in Panola County with a population of about 2,072.

At a glance, the area shows median age of 40.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 430, 903; U.S. House district TX-1; the SHREVEPORT media market.

Median household income in ZIP 75643 is about $56,685 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.8%; unemployment rate near 3.6%; 15.4% of adults with a bachelor’s degree or higher (about 18.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Administrative support, and Manufacturing; about 10.0% of workers reporting work-from-home (about 5.2 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 $132,200 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $532 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 83.5% (about 18.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75643 in Gary City, TX, a household would need roughly $36,000 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 $849. That sits below the local median household income ($56,685), 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 Gary City town, TX as Relatively Low (composite score 55.4), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (78.3) and wildfire (72.1). 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 Gary City town, TX show little to no average snow and around 52.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 98 for ZIP 75643 (Gary City town, 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.