ZIP Code 76632 — Chilton CDP, TX Demographics & Data

ZIP code 76632 covers Chilton, TX in Falls County with a population of about 1,464.

At a glance, the area shows median age of 48.3 versus a U.S. median of about 38.9.

It sits in telephone area code 254; U.S. House district TX-17; the WACO - TEMPLE - BRYAN media market.

Median household income in ZIP 76632 is about $56,196 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.0%; unemployment rate near 15.7%; 18.9% of adults with a bachelor’s degree or higher (about 14.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Education; about 1.3% of workers reporting work-from-home (about 13.9 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 $95,400 — about 73% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $810 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 77.6% (about 12.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76632 in Chilton, TX, a household would need roughly $26,000 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 $613. That sits below the local median household income ($56,196), 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 Chilton CDP, TX as Very Low (composite score 26.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (68.0) and wildfire (54.5). 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 Chilton CDP, TX show little to no average snow and around 39.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 69 for ZIP 76632 (Chilton 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.