Stephenville, TX · standard
ZIP Code 76401
Erath County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 25,702
- 24/sq mi Moderate-density area
- $61,210
- Median income Below-median income area
- $270,000
- Median home value Near-median home value
- 34.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Stephenville pairs a below-median household income with above-median home values, in a rural, mixed-tenure area.
- 31st pct
- household income, US ZIPs
- Top 39%
- home value, US ZIPs
- 24
- people per sq mi
- 56%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76401 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 76401 (Stephenville, TX) rose +5.2% from 2023 to 2024. The all-transactions index moved from 311.0 in 2023 to 327.1 in 2024 (2000 = 100).
ZIP code 76401 is a densely settled ZIP (a standard USPS delivery area) in Stephenville, Erath County, Texas, with 25,702 residents across 1066.5 square miles, a density of 24 people per square mile, in the Chicago time zone.
ZIP 76401 reports a modest median household income of $61,210 (19% below the average Texas ZIP), while per-capita income is $32,513. The poverty rate is 16.9%, with unemployment at 6.5%; those measures add context to the income figure. Median home value is $270,000 (9% above the average Texas ZIP) and median rent is $1,162; 55.9% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 34.1% of adults hold a bachelor's degree or higher, the median age is 29.7, and the average commute is 18 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 3 more in Erath County, so 76401 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 76401
Top 5 sectors by establishment count in Stephenville, TX
Which industries have the most business establishments in ZIP 76401.
- Retail trade
Retail trade
140 establishments
- Construction
Construction
114 establishments
- Other services (except public administration)
Other services (except public administration)
95 establishments
- Accommodation and food services
Accommodation and food services
90 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
78 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 76401, Stephenville, TX · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
25,702
Population
1066.5
Area (sq mi)
24
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 76401?
29.7
Median Age
47.9%
Male
52.1%
Female
5.6%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$61,210
Median Household Income
-19% vs state ZIP avg
$32,513
Per Capita Income
16.9%
Poverty Rate
6.5%
Unemployment Rate
18.4 min
Mean Commute Time
How ZIP 76401 ranks among Texas ZIPs
Stephenville, TX household income vs. every Texas ZIP code
Median household income among 1,737 reporting Texas ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$61,210 34th percentile higher than 34% of 1,737 Texas ZIPs
Each bar is a $20K-wide band; taller bars hold more Texas ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
13,764housing units
13,764
Total Housing Units
12,481
Occupied Units
1,283
Vacant Units
2.29
Avg Household Size
Occupancy Type
$270,000
Median Home Value
+9% vs state ZIP avg
$1,162
Median Rent
1992
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+5.2%
YoY Change (2024)
327
HPI Index (2000 = 100)
+227%
Total Change Since 2000
Home values in ZIP 76401 have increased 5.2% over the past year (2024). Since 2000, this ZIP has seen +227% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.1% | 205 |
| 2021 | +13.3% | 232 |
| 2022 | +23.5% | 286 |
| 2023 | +8.7% | 311 |
| 2024 | +5.2% | 327 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 875 business establishments in ZIP 76401, employing approximately 11,214 people with a combined annual payroll of $498,358,000.
875
Businesses
11,214
Employees
$498.4M
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 140 | 16.0% |
| Construction | 114 | 13.0% |
| Other services (except public administration) | 95 | 10.9% |
| Accommodation and food services | 90 | 10.3% |
| Professional, scientific, and technical services | 78 | 8.9% |
| Health care and social assistance | 78 | 8.9% |
| Real estate and rental and leasing | 52 | 5.9% |
| Finance and insurance | 51 | 5.8% |
| Administrative and support and waste management and remediation services | 40 | 4.6% |
| Wholesale trade | 37 | 4.2% |
| Manufacturing | 31 | 3.5% |
| Transportation and warehousing | 20 | 2.3% |
| Arts, entertainment, and recreation | 13 | 1.5% |
| Mining, quarrying, and oil and gas extraction | 10 | 1.1% |
| Information | 10 | 1.1% |
| Agriculture, forestry, fishing and hunting | 6 | 0.7% |
| Utilities | 4 | 0.5% |
| Educational services | 4 | 0.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 76401 vs 76402 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 76402 | Stephenville, TX | 847 | 4.7 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76401, both outside TX so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (25,702 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Erath County
Related Areas
Frequently Asked Questions
What county is ZIP code 76401 in?
ZIP code 76401 (Stephenville) is located in Erath County, Texas. Erath County contains multiple ZIP codes, see the full list at /counties/erath-tx.
What is the population of ZIP code 76401?
ZIP code 76401 in Stephenville, TX has a population of 25,702 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76401?
The median household income in ZIP 76401 is $61,210, which is 20% below the national average of $76,288.
What is the average home value in ZIP 76401?
The median home value in ZIP 76401 is $270,000, which is 3% below the national average of $278,155.
What is the demographic makeup of ZIP 76401?
The largest racial group in ZIP 76401 is White at 80.5%. Hispanic or Latino residents make up 18.5% of the population.
How many businesses are in ZIP code 76401?
ZIP code 76401 has 875 business establishments employing approximately 11,214 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76401?
The top industries by establishment count in ZIP 76401 are: Retail trade (140), Construction (114), Other services (except public administration) (95). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 76401?
According to the FHFA House Price Index, home values in ZIP 76401 increased by 5.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 227%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 76401?
In ZIP code 76401, 61.2% of residents aged 25+ have a high school diploma or higher, and 34.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 76401?
The mean commute time for workers in ZIP code 76401 is 18.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 76401?
In ZIP code 76401, approximately 55.9% of occupied housing units are owner-occupied and 44.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76401?
The poverty rate in ZIP code 76401 is 16.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 76401's numbers, next.
- See how ZIP 76401 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Stephenville, TX ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.