ZIP Code 76870 — undefined, TX Demographics & Data

ZIP code 76870 covers TX in Mills County with a population of about 66.

At a glance, the area shows median age of 59.0 versus a U.S. median of about 38.9.

It sits in telephone area code 325; U.S. House district TX-11; the WACO - TEMPLE - BRYAN media market.

TX fits a retirement-oriented profile (high share of residents 65+ (42.4%)). 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 76870 is about $74,583 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 9.1%; 42.2% of adults with a bachelor’s degree or higher (about 8.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Finance and insurance; about 13.3% of workers reporting work-from-home (about 1.9 points below the U.S. share (15.2%)); a mean commute of about 26.0 minutes (U.S. average near 26.8).

Median home value is about $193,800 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76870 in TX, a household would need roughly $53,000 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 $1,245. That sits below the local median household income ($74,583), 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 TX as Very Low (composite score 5.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (76.5) and hurricane (33.5). 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 TX show little to no average snow and around 30.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 76870 (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.