ZIP Code 76579 — Troy city, TX Demographics & Data

ZIP code 76579 covers Troy, TX in Bell County with a population of about 5,729.

At a glance, the area shows median age of 35.5 versus a U.S. median of about 38.9.

It sits in telephone area code 254; U.S. House district TX-31; the WACO - TEMPLE - BRYAN media market.

Median household income in ZIP 76579 is about $83,146 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.0%; unemployment rate near 3.4%; 25.0% of adults with a bachelor’s degree or higher (about 8.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 1.9% of workers reporting work-from-home (about 13.3 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 $225,500 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $801 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 62.5% (about 2.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76579 in Troy, TX, a household would need roughly $62,000 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 $1,449. That sits below the local median household income ($83,146), 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 Troy city, TX as Relatively Moderate (composite score 91.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (89.7) and flood (89.2). 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 Troy city, TX show little to no average snow and around 38.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 270 for ZIP 76579 (Troy 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.