PlainZIP

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
$61,210
Median income
$270,000
Median home value
34.1%
Bachelor's or higher

The verdict

Stephenville pairs a below-median household income with above-median home values, in a rural, mixed-tenure area.

31th 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.

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 Texas average), while per-capita income is $32,513. 16.9% of residents live below the poverty line, and the unemployment rate reads 6.5%. On housing, the median home value is $270,000 (9% above the state average) with median rent at $1,162 per month, and 55.9% of occupied units 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. To put 76401 in local context, 1 ZIP codes within roughly 10 miles appear further down this page alongside 3 additional ZIPs in Erath County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 76401?

29.7

Median Age

47.9%

Male

52.1%

Female

5.6%

Foreign-Born

White 80.5%
African American 2.4%
Asian 1.3%
American Indian or Alaska Native 1.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.6%
Hispanic or Latino 18.5%

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

$32,513

Per Capita Income

16.9%

Poverty Rate

6.5%

Unemployment Rate

18.4 min

Mean Commute Time

How ZIP 76401 ranks nationally

Stephenville, TX household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$61,210 31st percentile higher than 31% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 61.2%
Bachelor's Degree or Higher 34.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

13,764

Total Housing Units

12,481

Occupied Units

1,283

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 55.9%
Renter 44.1%

$270,000

Median Home Value

+9% vs state

$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

More ZIP Codes in Erath County

76446 standard
Dublin, TX
Pop: 9,000
76433 standard
Bluff Dale, TX
Pop: 1,416
76402 standard
Stephenville, TX
Pop: 847

Related Areas

Erath County Stephenville, TX Texas

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.

Read our methodology to see how this data is sourced, computed, and verified.