ZIP Code 78560 — La Joya city, TX Demographics & Data

ZIP code 78560 covers La Joya, TX in Hidalgo County with a population of about 4,618.

At a glance, the area shows median age of 29.6 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 78560 is about $51,739 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.9%; unemployment rate near 7.0%; 20.4% of adults with a bachelor’s degree or higher (about 13.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Transportation; about 7.5% of workers reporting work-from-home (about 7.7 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 $114,400 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $515 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 53.5% (about 11.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78560 in La Joya, TX, a household would need roughly $31,000 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 $735. That sits below the local median household income ($51,739), 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 La Joya city, 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 La Joya city, TX show little to no average snow and around 20.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 218 for ZIP 78560 (La Joya 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.