76401Stephenville, Texas

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 76401.

65out of 100
Area Score
Top 31% of 5,298 published profiles

How we calculate this

How this area ranks
OpportunityTop 25% of 6,210 published ZIP areas67
SchoolsTop 12% of 4,422 published ZIP areas81
Growth3195th of 5,428 published ZIP areas45
Housing affordability4052nd of 6,685 published ZIP areas73
Climate5864th of 6,789 published ZIP areas60
Physical resilienceTop 35% of 6,709 published ZIP areas70
Access6368th of 6,791 published ZIP areas59
Economic stability4641st of 6,742 published ZIP areas49
The quick read

76401 ranks in the top 25% of published ZIP profiles for employment opportunity, with unemployment at 4.4% and median household income of $61,210.

Residential permitting has slowed: 30 units authorized over the past twelve months, 67% below the prior year.

Rent takes 23% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 4.4 times that income.

At a glance

Population
31,375
2024 ACS 5-Year
Median household income
$61,210
Bottom 32% nationally
Density
76/sq mi
411.3 sq mi of land
Median age
29.7
2024 ACS 5-Year
City
Stephenville
Texas
Metro area
Stephenville, TX
Nearest major airport
AFW
72 mi · Perot Fld/Fort Worth Alliance
Median home value
$270,000
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.4% is lower than 52% of the 6,544 measured US ZIP areas.

Employment grew 3.8% over the past year, to 22,532 employed residents.

34% of adults hold a four-year degree, higher than 72% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$2,656$61,210Bottom 32%2024 ACS 5-Year
Per capita income ±$1,867$32,513Bottom 36%2024 ACS 5-Year
Poverty rate16.9%Top 26%2024 ACS 5-Year
Average commute19.5 minBottom 12%2024 ACS 5-Year
Bachelor's degree or higher34.1%Top 28%2024 ACS 5-Year
Employment22,532Bottom 22%June 2026
Employment change (3 years)7.9%Top 1%June 2026
Employment change (year over year)3.8%Top 1%June 2026
Labor force23,559Bottom 22%June 2026
Labor force participation65.4%Top 31%2024 ACS 5-Year
Unemployment change (year over year)0.6%Top 23%June 2026
Unemployment rate4.4%Bottom 48%June 2026
Median household income, successive ACS releases
202120222023202461k54k
Each point is a separate five-year estimate, most recently $61,210 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.

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

57% of students met the state standard in mathematics and 48% in reading, across the schools here that reported results.

There are 13.2 students for every full-time teacher, fewer than in most measured places.

Public schools
11
2024-25 school year
Students per teacher
13.2
across all schools here
Math proficiency
57.2%
Top 11% in Texas
Reading proficiency
48.1%
Top 28% in Texas
SchoolDistrictStudentsPer teacherMathReading
STEPHENVILLE H SSTEPHENVILLE ISD1,07913.3
GILBERT INTSTEPHENVILLE ISD56213.152%52%
HENDERSON J HSTEPHENVILLE ISD54413.672%47%
CHAMBERLIN ELSTEPHENVILLE ISD50314.4
HOOK ELSTEPHENVILLE ISD48512.862%47%
CENTRAL ELSTEPHENVILLE ISD40515.0
HUCKABAY SCHOOLHUCKABAY ISD32713.640%48%
THREE WAY PK-6THREE WAY ISD13615.1
MORGAN MILL ELMORGAN MILL ISD12710.670%50%
THREE WAY JH/HSTHREE WAY ISD768.410%30%
HUSTON ACADEMY · charterERATH EXCELS ACADEMY INC355.8

46.6% 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 $1,162 takes 23% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.4 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
22.8%
Below the 30% cost-burdened threshold
Home price to income
4.4×
median home value ÷ median income
Median gross rent
$1,162
2024 ACS 5-Year
Median home value
$270,000
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income4.41Top 23%2024 ACS 5-Year
Homeownership rate55.9%Bottom 13%2024 ACS 5-Year
Housing units ±37813,764Top 10%2024 ACS 5-Year
Median gross rent ±$113$1,162Top 38%2024 ACS 5-Year
Median home value ±$12,690$270,000Top 38%2024 ACS 5-Year
Rent as a share of income22.8%Top 22%2024 ACS 5-Year
Vacancy rate9.3%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
45/ 100
Ranks 3195 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.

60% 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 1.4 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
30
12 months ending July 2026
Per 1,000 residents
1.4
Bottom 32% nationally
Year over year
−67%
vs the prior twelve months
Multifamily share
60.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Stephenville, 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 31°F.

Normal annual precipitation is 34.1 inches.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station STEPHENVILLE, 3.2 miles from this location.
Precipitation
JFMAMJJASOND5.0"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation34.1"1991-2020 Normals
Annual snowfall0.7"1991-2020 Normals
Average January low31°F1991-2020 Normals
Average July high97°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing39°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

70 / 100
Physical resilience

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

WildfireHigh
Cold waveModerate
TornadoElevated
Heat waveModerate

Low or minimal exposure: inland flooding, lightning, hail, drought, hurricane, strong wind, winter weather, ice storm, 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.

Erath County records 3.6 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 18.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 9.2 per 100,000 residents in Erath County.

Homicide
3.6
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
18.0
per 100,000 residents · under 10 deaths
Drug overdose
9.2
per 100,000 residents · under 10 deaths
Suicide
22.6
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 Erath 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 76401 rather than 76401 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

4 major airports lie within 100 miles, the nearest 72 miles away.

AirportCodeDistanceLongest runway
Perot Fld/Fort Worth AllianceAFW72 mi11,125 ft
Tstc WacoCNW79 mi8,600 ft
Dallas-Fort Worth IntlDFW81 mi13,401 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
65
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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
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

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.

76401 vs Stephenville

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

76401
Stephenville
Median household income
$61,210
vs
$53,015
Per capita income
$32,513
vs
$27,593
Population density
76/sq mi
vs
1,812/sq mi
Median home value
$270,000
vs
$241,300
Median gross rent
$1,162
vs
$1,134
Homeownership rate
55.9%
vs
44.3%
Bachelor's degree or higher
34.1%
vs
33.3%
Poverty rate
16.9%
vs
20.0%
Median age
29.7
vs
25.1

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.