ZIP Code 76104 — Fort Worth city, TX Demographics & Data

ZIP code 76104 covers Fort Worth, TX in Tarrant County with a population of about 20,694.

At a glance, the area shows median age of 31.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 682, 817; U.S. House district TX-33; the DALLAS - FT. WORTH media market.

Fort Worth, TX reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 76104 is about $56,848 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 30.2%; unemployment rate near 5.0%; 21.4% of adults with a bachelor’s degree or higher (about 12.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 9.6% of workers reporting work-from-home (about 5.6 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 $145,000 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,208 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 38.3% (about 27.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76104 in Fort Worth, TX, a household would need roughly $40,000 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 $931. That sits below the local median household income ($56,848), 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 Fort Worth city, TX as Relatively High (composite score 99.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.1) and wildfire (91.5). 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 Fort Worth city, TX show little to no average snow.

IRS migration statistics show a net inflow of about 976 for ZIP 76104 (Fort Worth 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.