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 Low-density area
- $86,875
- Median income Above-median income area
- $194,700
- Median home value Near-median home value
- 19.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Chico pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 30%
- household income, US ZIPs
- 42nd 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 average Texas ZIP), while per-capita income is $34,677. The poverty rate is 14.9%, with unemployment at 7.8%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $194,700 (21% below the average Texas ZIP), and median rent is $1,308; owner occupancy is 85.7%.
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. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Wise County, so 76431 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 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 ZIP avg
$34,677
Per Capita Income
14.9%
Poverty Rate
7.8%
Unemployment Rate
29.2 min
Mean Commute Time
How ZIP 76431 ranks among Texas ZIPs
Chico, 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)
$86,875 Top 26% higher than 74% 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
1,739housing units
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 ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76431, 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 (3,384 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Wise County
Related Areas
Frequently Asked Questions
What county is ZIP code 76431 in?
ZIP code 76431 (Chico) is located in Wise County, Texas. Wise County contains multiple ZIP codes, see the full list at /counties/wise-tx.
What is the population of ZIP code 76431?
ZIP code 76431 in Chico, TX has a population of 3,384 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76431?
The median household income in ZIP 76431 is $86,875, which is 14% above the national average of $76,288.
What is the average home value in ZIP 76431?
The median home value in ZIP 76431 is $194,700, which is 30% below the national average of $278,155.
What is the demographic makeup of ZIP 76431?
The largest racial group in ZIP 76431 is White at 87.7%. Hispanic or Latino residents make up 8.8% of the population.
How many businesses are in ZIP code 76431?
ZIP code 76431 has 59 business establishments employing approximately 663 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76431?
The top industries by establishment count in ZIP 76431 are: Mining, quarrying, and oil and gas extraction (8), Transportation and warehousing (8), Construction (7). There are 9 industry sectors represented in total.
What is the education level in ZIP code 76431?
In ZIP code 76431, 54.0% of residents aged 25+ have a high school diploma or higher, and 19.3% 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 76431?
The mean commute time for workers in ZIP code 76431 is 29.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 76431?
In ZIP code 76431, approximately 85.7% of occupied housing units are owner-occupied and 14.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76431?
The poverty rate in ZIP code 76431 is 14.9% 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 76431's numbers, next.
- See how ZIP 76431 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Chico, 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.