ZIP Code 76577 — Thorndale city, TX Demographics & Data

ZIP code 76577 covers Thorndale, TX in Milam County with a population of about 3,297.

At a glance, the area shows median age of 46.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 512, 737; U.S. House district TX-17; the WACO - TEMPLE - BRYAN media market.

Median household income in ZIP 76577 is about $70,174 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 3.2%; 33.3% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Education; about 10.1% of workers reporting work-from-home (about 5.1 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 $185,400 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $623 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 78.3% (about 12.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76577 in Thorndale, TX, a household would need roughly $51,000 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 $1,191. That sits below the local median household income ($70,174), 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 Thorndale city, TX as Relatively Low (composite score 58.1), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (77.8) and wildfire (65.6). 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 Thorndale city, TX show little to no average snow and around 35.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 156 for ZIP 76577 (Thorndale 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.