ZIP Code 79518 — Girard CDP, TX Demographics & Data

ZIP code 79518 covers Girard, TX in Kent County with a population of about 115.

At a glance, the area shows median age of 60.7 versus a U.S. median of about 38.9.

It sits in telephone area code 806; U.S. House district TX-19; the LUBBOCK media market.

Girard, TX fits a retirement-oriented profile (high share of residents 65+ (38.3%)). 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 79518 is about $34,063 — about 55% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 16.0%; 8.3% of adults with a bachelor’s degree or higher (about 25.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Information; about 23.8% of workers reporting work-from-home (about 8.6 points above the U.S. share (15.2%)); a mean commute of about 16.0 minutes (U.S. average near 26.8).

Median home value is about $67,500 — about 81% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 45.1% (about 20.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 79518 in Girard, TX, a household would need roughly $19,000 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 $434. That sits below the local median household income ($34,063), 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 Girard CDP, TX as Very Low (composite score 1.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (66.5) and hurricane (8.2). 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 Girard CDP, TX show little to no average snow and around 23.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 79518 (Girard 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.