ZIP Code 76484 — Palo Pinto CDP, TX Demographics & Data

ZIP code 76484 covers Palo Pinto, TX in Palo Pinto County with a population of about 1,000.

At a glance, the area shows median age of 40.6 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.

Median household income in ZIP 76484 is about $93,684 — about 25% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.4%; unemployment rate near 0.0%; 24.6% of adults with a bachelor’s degree or higher (about 9.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Food services; about 9.0% of workers reporting work-from-home (about 6.2 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 $158,700 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.2% (about 29.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76484 in Palo Pinto, TX, a household would need roughly $44,000 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 $1,019. That sits below the local median household income ($93,684), 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 Palo Pinto CDP, 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 Palo Pinto CDP, TX show little to no average snow.

IRS migration statistics show a net inflow of about 47 for ZIP 76484 (Palo Pinto 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.