ZIP Code 78963 — Plum CDP, TX Demographics & Data

ZIP code 78963 covers Plum, TX in Fayette County with a population of about 470.

At a glance, the area shows median age of 61.8 versus a U.S. median of about 38.9.

It sits in telephone area code 979; U.S. House district TX-10; the AUSTIN media market.

Plum, TX fits a retirement-oriented profile (older median age or known retirement-community context). 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 78963 is about $90,357 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.0%; unemployment rate near 0.0%; 29.7% of adults with a bachelor’s degree or higher (about 4.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; about 16.0% of workers reporting work-from-home (roughly in line with 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 $231,000 — about 34% 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 78963 in Plum, TX, a household would need roughly $64,000 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 $1,484. That sits below the local median household income ($90,357), 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 Plum CDP, TX as Relatively Low (composite score 58.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (80.6) and flood (64.8). 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 Plum CDP, TX show little to no average snow and around 39.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 22 for ZIP 78963 (Plum 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.