ZIP Code 78549 — Harding Gill Tract CDP, TX Demographics & Data

ZIP code 78549 covers Harding Gill Tract, TX in Hidalgo County with a population of about 876.

At a glance, the area shows median age of 29.7 versus a U.S. median of about 38.9.

It sits in telephone area code 956; U.S. House district TX-15; the HARLINGEN - WSLCO - BRNSVL - MCA media market.

Median household income in ZIP 78549 is about $19,028 — about 75% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 68.6%; unemployment rate near 14.6%; 5.7% of adults with a bachelor’s degree or higher (about 28.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Information; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $62,700 — about 82% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.7% (about 17.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78549 in Harding Gill Tract, TX, a household would need roughly $17,000 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 $403. That sits below the local median household income ($19,028), 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 Harding Gill Tract CDP, TX as Relatively High (composite score 99.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.5) and flood (96.4). 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 Harding Gill Tract CDP, TX show little to no average snow and around 23.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 78549 (Harding Gill Tract 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.