| ZIP Code | 76431 |
|---|---|
| City | Chico |
| State | Texas (TX) |
| County | Wise County |
| Area Code | 940 |
| Elevation | 969 ft |
| Latitude | 33.302787 |
|---|---|
| Longitude | -97.868426 |
| Timezone | Chicago (DST) |
| FIPS | 48497 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.2 yrs ↑ 2% since 2019 |
|---|---|
| Avg Household Size | 2.89 |
| Below Poverty | 13.2% ▲ 32% above avg |
| College Grads | 25.1% ▼ 35% below avg |
| Unemployment | 6.4% ▲ 30% above avg |
| No HS Diploma | 48 (1.9%) |
| HS Graduate | 1,111 (43.1%) |
| Some College | 407 (15.8%) |
| Associates | 363 (14.1%) |
| Bachelors | 97 (3.8%) |
| Graduate Degree | 550 (21.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $82,971 ▲ 9% above avg ↑ 60% since 2019 |
|---|---|
| Median Home Value | $186,700 ▼ 33% below avg ↑ 39% since 2019 |
| Home/Income Ratio | 2.3x (nat avg ~3.5x) |
| Median Rent | $1,094/mo ↑ 12% since 2019 |
| Total Units | 1,698 |
| Vacant Units | 149 |
| Avg HH Size | 2.89 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,698 |
|---|---|
| Vacant | 149 |
| Owner Occupied | 89.1% |
| Renter Occupied | 10.9% |
| Avg HH Size | 2.89 |
ZIP code 76431 is located in Chico, Texas, within Wise County. With a population of 4,480, this is a lightly populated ZIP code with a middle-aged community — the median age is 38.2 years. Economically, 76431 is a middle-income ZIP code: the median household income of $82,971 is near the national average.
Real estate in ZIP code 76431 represents an affordable housing market. The median home value of $186,700 is below the national average. Renters can expect to pay around $1,094 per month in median rent. Homeownership is strong here — 89.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 39% since 2019.
The population of 76431 is primarily White (81.76%). Residents are moderately educated — 25.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 13.2%. Household income has grown by 60% since 2019.
The unemployment rate in 76431 stands at 6.4%, which is above the national average. About 18% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 72%.
Overall, ZIP code 76431 in Chico, TX is characterized as middle-income, moderately educated, a middle-aged community, and predominantly owner-occupied. With 4,480 residents, a median household income of $82,971, and a median home value of $186,700, it offers a clear picture of life in this part of Texas.