ZIP Code 76261 — Ringgold CDP, TX Demographics & Data

ZIP code 76261 covers Ringgold, TX in Montague County with a population of about 203.

At a glance, the area shows median age of 58.4 versus a U.S. median of about 38.9.

It sits in telephone area code 940; U.S. House district TX-13; the WICHITA FALLS & LAWTON media market.

Ringgold, TX fits a retirement-oriented profile (high share of residents 65+ (35.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 76261 is about $39,375 — about 48% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.9%; unemployment rate near 2.9%; 22.1% of adults with a bachelor’s degree or higher (about 11.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Transportation, and Education; about 27.1% of workers reporting work-from-home (about 11.9 points above the U.S. share (15.2%)); a mean commute of about 35.0 minutes (U.S. average near 26.8).

Median home value is about $78,300 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.2% (about 15.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76261 in Ringgold, TX, a household would need roughly $22,000 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 $503. That sits below the local median household income ($39,375), 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 Ringgold CDP, TX as Relatively Low (composite score 54.9), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (89.8) and hurricane (38.8). 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 Ringgold CDP, TX show little to no average snow and around 35.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 76261 (Ringgold CDP, 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.