ZIP 76401 vs ZIP 76446

This side-by-side compares ZIP 76401 (Stephenville, TX) and ZIP 76446 (Dublin, TX) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 76401 has a population of 25,702 at 24 people per square mile, while ZIP 76446 has 9,000 at 8 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 76401 reports a median household income of $61,210 against $57,583 in ZIP 76446, with per-capita income of $32,513 vs $29,759. The share of adults holding a bachelor's degree or higher is 34.1% in 76401 and 23.4% in 76446. Poverty rate reads 16.9% vs 20.4%, and unemployment 6.5% vs 2.4% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $270,000 in 76401 versus $185,500 in 76446, with median rent of $1,162 and $765 per month respectively. Homeownership rate is 55.9% vs 84.2%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.