78504McAllen, Texas

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 78504.

62out of 100
Area Score
Top 43% of 5,298 published profiles

How we calculate this

How this area ranks
OpportunityTop 44% of 6,210 published ZIP areas57
SchoolsTop 36% of 4,422 published ZIP areas62
GrowthTop 11% of 5,428 published ZIP areas73
Housing affordabilityTop 9% of 6,685 published ZIP areas100
Climate3674th of 6,789 published ZIP areas69
Physical resilience5529th of 6,709 published ZIP areas23
Access5766th of 6,791 published ZIP areas74
Economic stability4091st of 6,742 published ZIP areas54
The quick read

Unemployment is 5.4% and median household income $81,905, putting employment conditions in the middle range of published ZIP profiles.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 17% of median household income and the median home is 2.7 times it.

Physical-risk exposure is above the national median, driven mainly by hurricane, cold wave and hail.

At a glance

Population
63,094
2024 ACS 5-Year
Median household income
$81,905
Top 35% nationally
Density
3,214/sq mi
19.6 sq mi of land
Median age
32.5
2024 ACS 5-Year
City
McAllen
Texas
Metro area
McAllen-Edinburg-Mission, TX
Nearest major airport
HRL
36 mi · Valley Intl
Median home value
$218,900
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.4% is lower than 16% of the 6,544 measured US ZIP areas.

Employment grew 0.1% over the past year, to 69,613 employed residents.

40% of adults hold a four-year degree, higher than 79% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$4,178$81,905Top 35%2024 ACS 5-Year
Per capita income ±$3,374$36,517Top 50%2024 ACS 5-Year
Poverty rate12.3%Top 42%2024 ACS 5-Year
Average commute24.3 minBottom 31%2024 ACS 5-Year
Bachelor's degree or higher39.5%Top 21%2024 ACS 5-Year
Employment69,613Top 43%June 2026
Employment change (3 years)3.6%Top 11%June 2026
Employment change (year over year)0.1%Top 28%June 2026
Labor force73,575Top 42%June 2026
Labor force participation64.5%Top 35%2024 ACS 5-Year
Mean annual wage$46,850Bottom 1%2025 OEWS
Median annual wage$35,830Bottom 1%2025 OEWS
Unemployment change (year over year)0.5%Top 31%June 2026
Unemployment rate5.4%Top 16%June 2026
Median household income, successive ACS releases
202120222023202482k68k
Each point is a separate five-year estimate, most recently $81,905 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 — McAllen-Edinburg-Mission, TX
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides46,380$23,960
Fast Food and Counter Workers12,160$22,790
Retail Salespersons8,960$27,420
Customer Service Representatives8,270$35,830
Cashiers7,000$27,020
General and Operations Managers6,480$74,570

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 McAllen, TX, the city containing this ZIP code.

43% of students met the state standard in mathematics and 47% in reading, across the schools here that reported results.

There are 15.7 students for every full-time teacher, more than in most measured places.

Public schools
15
2024-25 school year
Students per teacher
15.7
across all schools here
Math proficiency
43.2%
Top 37% in Texas
Reading proficiency
46.5%
Top 31% in Texas
SchoolDistrictStudentsPer teacherMathReading
MORRIS MIDDLEMCALLEN ISD99914.967%67%
GONZALEZ ELMCALLEN ISD81816.474%68%
MICHAEL E FOSSUM MIDDLEMCALLEN ISD79114.957%62%
SHARYLAND NORTH J HSHARYLAND ISD79116.160%37%
IDEA TRES LAGOS ACADEMY · charterIDEA PUBLIC SCHOOLS69523.223%35%
IDEA TRES LAGOS COLLEGE PREPARATORY · charterIDEA PUBLIC SCHOOLS68516.727%37%
DE LEON MIDDLEMCALLEN ISD66411.932%52%
OLIVERO GARZA SR ELSHARYLAND ISD64816.68%15%
DONNA WERNECKE ELSHARYLAND ISD63115.023%32%
DR PABLO PEREZMCALLEN ISD60117.248%55%
RAYBURN ELMCALLEN ISD53015.648%49%
BLANCA E SANCHEZMCALLEN ISD50217.337%41%

62.8% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Texas’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,173 takes 17% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.7 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
17.2%
Below the 30% cost-burdened threshold
Home price to income
2.7×
median home value ÷ median income
Median gross rent
$1,173
2024 ACS 5-Year
Median home value
$218,900
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.67Bottom 35%2024 ACS 5-Year
Homeownership rate69.9%Bottom 29%2024 ACS 5-Year
Housing units ±82721,741Top 2%2024 ACS 5-Year
Median gross rent ±$84$1,173Top 37%2024 ACS 5-Year
Median home value ±$6,959$218,900Top 50%2024 ACS 5-Year
Rent as a share of income17.2%Bottom 47%2024 ACS 5-Year
Vacancy rate9.4%Bottom 43%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
73/ 100
Top 11% of 5,428 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.

At 9.9 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
1,445
12 months ending July 2026
Per 1,000 residents
9.9
Top 12% nationally
Year over year
−7%
vs the prior twelve months
Multifamily share
21.2%
units in 5+ unit buildings

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

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 99°F and January a low of 53°F.

Normal annual precipitation is 22.2 inches.

Air quality measures a median index of 54, in the Moderate band, and about 24 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.

40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station MCALLEN MILLER INTL AP, 6.6 miles from this location.
Precipitation
JFMAMJJASOND4.6"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index87.02024 calendar year
Annual precipitation22.2"1991-2020 Normals
Average January low53°F1991-2020 Normals
Average July high99°F1991-2020 Normals
Comfortable months71991-2020 Normals
Days above AQI 100242024 calendar year
Median air quality index54.02024 calendar year
Seasonal temperature swing27°F1991-2020 Normals
Air quality
Median air quality index
54
Moderate on a typical day
Worst tenth of days
87
90th percentile index
Days above 100
24
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

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. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

23 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, cold wave and hail.

Cold waveHigh
HurricaneElevated
HailElevated
DroughtModerate
LightningModerate

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

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.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Hidalgo County records 3.3 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 5.3 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 4.2 per 100,000 residents in Hidalgo County.

Homicide
3.3
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
5.3
per 100,000 residents · under 10 deaths
Drug overdose
4.2
per 100,000 residents · under 10 deaths
Suicide
6.6
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Hidalgo County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 78504 rather than 78504 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

1 major airport lies within 100 miles, the nearest 36 miles away.

AirportCodeDistanceLongest runway
Valley IntlHRL36 mi9,400 ft
Laredo IntlLRD116 mi8,743 ft
Victoria RgnlVCT195 mi9,111 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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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)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 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.

78504 vs McAllen

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

78504
McAllen
Median household income
$81,905
vs
$61,579
Per capita income
$36,517
vs
$30,885
Population density
3,214/sq mi
vs
2,331/sq mi
Median home value
$218,900
vs
$190,400
Median gross rent
$1,173
vs
$1,049
Homeownership rate
69.9%
vs
59.5%
Bachelor's degree or higher
39.5%
vs
32.5%
Poverty rate
12.3%
vs
20.0%
Median age
32.5
vs
33.5

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.