ZIP Code 77464 — Orchard city, TX Demographics & Data

ZIP code 77464 covers Orchard, TX in Fort Bend County with a population of about 457.

At a glance, the area shows median age of 48.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 281, 346, 713, 832, and 1 more; U.S. House district TX-22; the HOUSTON media market.

Orchard, TX reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 77464 is about $58,140 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 0.0%; 7.3% of adults with a bachelor’s degree or higher (about 26.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Real estate, Public administration, and Retail trade; about 5.1% of workers reporting work-from-home (about 10.1 points below the U.S. share (15.2%)); a mean commute of about 148.0 minutes (U.S. average near 26.8).

Median home value is about $230,200 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,453 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 40.1% (about 25.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 77464 in Orchard, TX, a household would need roughly $63,000 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 $1,479. That is roughly in line with the local median household income ($58,140). 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 Orchard city, TX as Relatively High (composite score 97.5), which is among the highest nationally. The strongest component scores on US5 are flood (97.6) and hurricane (97.6). 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 Orchard city, TX show little to no average snow.

IRS migration statistics show a net inflow of about 22 for ZIP 77464 (Orchard 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.