Chico, TX · standard
ZIP Code 76431
Wise County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,384
- 11/sq mi
- $86,875
- Median income
- $194,700
- Median home value
- 19.3%
- Bachelor's or higher
The verdict
Chico pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 30%
- household income, US ZIPs
- 42th pct
- home value, US ZIPs
- 11
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76431 against every reporting US ZIP.
ZIP code 76431 covers 307.6 square miles in Chico, Wise County, Texas (a standard USPS delivery area), with a modest 3,384 residents on file, a density of 11 people per square mile, in the Chicago time zone.
ZIP 76431 lands in the middle-income range, with a median household income of $86,875 (15% above the Texas average), while per-capita income is $34,677. Local economic indicators show a 14.9% poverty rate alongside 7.8% unemployment. On housing, the median home value is $194,700 (21% below the state average) with median rent at $1,308 per month, and 85.7% of occupied units are owner-occupied.
Educational attainment sits below the national norm: 19.3% of adults hold a bachelor's degree or higher, the median age is 39.6, and the average commute is 29 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Wise County, so you can benchmark 76431 against its immediate geography rather than a national average alone.
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 76431
Top 5 sectors by establishment count in Chico, TX
Which industries have the most business establishments in ZIP 76431.
- Mining, quarrying, and oil and gas extraction
Mining, quarrying, and oil and gas extraction
8 establishments
- Transportation and warehousing
Transportation and warehousing
8 establishments
- Construction
Construction
7 establishments
- Retail trade
Retail trade
7 establishments
- Other services (except public administration)
Other services (except public administration)
6 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 76431, Chico, 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
3,384
Population
307.6
Area (sq mi)
11
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 76431?
39.6
Median Age
51.0%
Male
49.0%
Female
6.1%
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?
$86,875
Median Household Income
+15% vs state
$34,677
Per Capita Income
14.9%
Poverty Rate
7.8%
Unemployment Rate
29.2 min
Mean Commute Time
How ZIP 76431 ranks nationally
Chico, TX household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$86,875 Top 30% higher than 70% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
1,739
Total Housing Units
1,557
Occupied Units
182
Vacant Units
2.89
Avg Household Size
Occupancy Type
$194,700
Median Home Value
-21% vs state
$1,308
Median Rent
1986
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 59 business establishments in ZIP 76431, employing approximately 663 people with a combined annual payroll of $55,848,000.
59
Businesses
663
Employees
$55.8M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Mining, quarrying, and oil and gas extraction | 8 | 13.6% |
| Transportation and warehousing | 8 | 13.6% |
| Construction | 7 | 11.9% |
| Retail trade | 7 | 11.9% |
| Other services (except public administration) | 6 | 10.2% |
| Manufacturing | 4 | 6.8% |
| Professional, scientific, and technical services | 4 | 6.8% |
| Wholesale trade | 3 | 5.1% |
| Accommodation and food services | 3 | 5.1% |
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 76431 vs 76270 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 76270 | Sunset, TX | 1,853 | 11.3 mi |
More ZIP Codes in Wise County
Related Areas
Frequently Asked Questions
What county is ZIP code 76431 in? ▼
What is the population of ZIP code 76431? ▼
What is the median household income in ZIP 76431? ▼
What is the average home value in ZIP 76431? ▼
What is the demographic makeup of ZIP 76431? ▼
How many businesses are in ZIP code 76431? ▼
What are the main industries in ZIP code 76431? ▼
What is the education level in ZIP code 76431? ▼
What is the average commute time in ZIP 76431? ▼
What percentage of residents own vs. rent in ZIP 76431? ▼
What is the poverty rate in ZIP code 76431? ▼
Read our methodology to see how this data is sourced, computed, and verified.