ZIP Code 77856 — Franklin city, TX Demographics & Data

ZIP code 77856 covers Franklin, TX in Robertson County with a population of about 4,832.

At a glance, the area shows median age of 37.1 versus a U.S. median of about 38.9.

It sits in telephone area code 979; U.S. House district TX-17; the WACO - TEMPLE - BRYAN media market.

Median household income in ZIP 77856 is about $90,889 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.6%; unemployment rate near 4.9%; 23.3% of adults with a bachelor’s degree or higher (about 10.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Utilities; about 4.5% of workers reporting work-from-home (about 10.6 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 $245,900 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $603 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 74.7% (about 9.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 77856 in Franklin, TX, a household would need roughly $68,000 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 $1,580. That sits below the local median household income ($90,889), 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 Franklin city, TX as Very Low (composite score 29.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (72.0) and wildfire (46.6). 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 Franklin city, TX show little to no average snow and around 40.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 228 for ZIP 77856 (Franklin 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.