AreaProfile

75040Garland, Texas

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 75040.

61
Area Score
Bottom 49% of 695 published profiles

How we calculate this

How this area ranks
OpportunityTop 31% of 727 published ZIP areas64
Growth525th of 701 published ZIP areas32
Housing affordabilityTop 47% of 800 published ZIP areas71
Climate561st of 779 published ZIP areas63
Physical resilience421st of 800 published ZIP areas52
AccessTop 46% of 779 published ZIP areas97
Economic stabilityTop 32% of 800 published ZIP areas66
The quick read

Residential permitting has slowed: 389 units authorized over the past twelve months, 29% below the prior year.

A major airport is 15 miles away, giving the area unusually direct access to the national air network.

Its Area Score of 61 places 75040 in the top 51% of published ZIP profiles.

At a glance

Population
64,606
2024 ACS 5-Year
Median household income
$74,519
Top 46% nationally
Density
4,117/sq mi
15.7 sq mi of land
Median age
35.5
2024 ACS 5-Year
City
Garland
Texas
Metro area
Dallas-Fort Worth-Arlington, TX
Nearest major airport
DAL
15 mi · Dallas Love Fld
Median home value
$266,300
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.5% is lower than 63% of the 1,061 measured US ZIP areas.

Employment fell 0.4% over the past year, to 128,425 employed residents.

MetricValueCompared with peersSource period
Median household income ±$3,960$74,519Top 46%2024 ACS 5-Year
Per capita income ±$1,597$30,538Bottom 28%2024 ACS 5-Year
Poverty rate9.9%Bottom 47%2024 ACS 5-Year
Average commute31.3 minTop 32%2024 ACS 5-Year
Bachelor's degree or higher24.3%Top 47%2024 ACS 5-Year
Employment128,425Bottom 25%June 2026
Employment change (3 years)3.1%Top 13%June 2026
Employment change (year over year)-0.4%Top 35%June 2026
Labor force134,539Bottom 25%June 2026
Labor force participation67.2%Top 24%2024 ACS 5-Year
Mean annual wage$70,630Top 37%2025 OEWS
Median annual wage$51,440Top 40%2025 OEWS
Unemployment change (year over year)0.5%Top 36%June 2026
Unemployment rate4.5%Bottom 37%June 2026
Median household income, successive ACS releases
202120222023202475k65k
Each point is a separate five-year estimate, most recently $74,519 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Dallas-Fort Worth-Arlington, TX
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers128,380$28,070
General and Operations Managers125,090$111,010
Stockers and Order Fillers111,100$37,590
Retail Salespersons100,340$33,400
Customer Service Representatives96,930$44,990
Laborers and Freight, Stock, and Material Movers, Hand81,940$38,510

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Garland, TX, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $1,728 takes 28% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.6 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
27.8%
Below the 30% cost-burdened threshold
Home price to income
3.6×
median home value ÷ median income
Median gross rent
$1,728
2024 ACS 5-Year
Median home value
$266,300
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.57Top 37%2024 ACS 5-Year
Homeownership rate66.8%Bottom 24%2024 ACS 5-Year
Housing units ±76222,234Top 2%2024 ACS 5-Year
Median gross rent ±$52$1,728Top 15%2024 ACS 5-Year
Median home value ±$8,951$266,300Top 39%2024 ACS 5-Year
Rent as a share of income27.8%Top 8%2024 ACS 5-Year
Vacancy rate5.7%Bottom 27%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
32/ 100
Ranks 525 of 701 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

92% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 1.6 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
389
12 months ending July 2026
Per 1,000 residents
1.6
Bottom 16% nationally
Year over year
−29%
vs the prior twelve months
Multifamily share
92.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Garland, TX, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 97°F and January a low of 38°F.

Normal annual precipitation is 38.3 inches, including 1.7 inches of snow.

30°50°70°90°110°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station DALLAS LOVE FLD, 14.7 miles from this location.
Precipitation
JFMAMJJASOND4.8"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation38.3"1991-2020 Normals
Annual snowfall1.7"1991-2020 Normals
Average January low38°F1991-2020 Normals
Average July high97°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing40°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

52 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hail and tornado.

HailHigh
TornadoHigh

Low or minimal exposure: heat wave, cold wave, ice storm, inland flooding, winter weather, strong wind, lightning, earthquake, wildfire, hurricane, landslide, drought.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

7 major airports lie within 100 miles, the nearest 15 miles away.

AirportCodeDistanceLongest runway
Dallas Love FldDAL15 mi8,800 ft
Dallas-Fort Worth IntlDFW24 mi13,401 ft
MajorsGVT34 mi8,030 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
61
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

75040 vs Garland

How this ZIP area compares with Garland as a whole. Both figures come from the same ACS release, so the comparison is like for like.

75040
Garland
Median household income
$74,519
vs
$76,320
Per capita income
$30,538
vs
$31,917
Population density
4,117/sq mi
vs
4,341/sq mi
Median home value
$266,300
vs
$270,800
Median gross rent
$1,728
vs
$1,641
Homeownership rate
66.8%
vs
61.6%
Bachelor's degree or higher
24.3%
vs
25.4%
Poverty rate
9.9%
vs
13.0%
Median age
35.5
vs
35.0

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.