ZIP Code 76449 — Graford city, TX Demographics & Data

ZIP code 76449 covers Graford, TX in Palo Pinto County with a population of about 2,157.

At a glance, the area shows median age of 57.0 versus a U.S. median of about 38.9.

It sits in telephone area code 940; U.S. House district TX-25; the DALLAS - FT. WORTH media market.

Graford, TX fits a retirement-oriented profile (older median age or known retirement-community context). 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 76449 is about $70,819 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 6.4%; 28.1% of adults with a bachelor’s degree or higher (about 5.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Food services, and Arts and entertainment; about 10.6% of workers reporting work-from-home (about 4.6 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 $268,000 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $665 (about 43% below the U.S. median rent ($1,163)), and owner-occupancy near 82.8% (about 17.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76449 in Graford, TX, a household would need roughly $74,000 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 $1,722. That is roughly in line with the local median household income ($70,819). 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 Graford city, TX as Relatively Low (composite score 55.2), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (90.3) and flood (59.9). 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 Graford city, TX show little to no average snow and around 31.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 102 for ZIP 76449 (Graford 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.