ZIP Code 76384 — Vernon city, TX Demographics & Data

ZIP code 76384 covers Vernon, TX in Wilbarger County with a population of about 12,239.

At a glance, the area shows median age of 39.5 (near the U.S. median).

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

Vernon, TX sits in a university / college context (near vernon college (1.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 76384 is about $51,582 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.9%; unemployment rate near 10.1%; 17.0% of adults with a bachelor’s degree or higher (about 16.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Food services; about 3.1% of workers reporting work-from-home (about 12.1 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 $101,600 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $536 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 62.3% (about 3.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76384 in Vernon, TX, a household would need roughly $28,000 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 $653. That sits below the local median household income ($51,582), 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 Vernon city, TX as Relatively Low (composite score 46.1), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (63.5) and hurricane (29.3). 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 Vernon city, TX show little to no average snow and around 28.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 577 for ZIP 76384 (Vernon 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.