Residential delivery area · Texas
ZIP Code 76431: Chico, TX
ZIP code 76431 uses the postal name Chico, Texas and lies mostly in Wise County (74% of its land) with the rest in Jack County (Census 2020 ZIP-county file). About 4,500 people live there (Census Bureau, ACS 2020-2024). Median household income is $86,875 (Census Bureau, ACS 2020-2024). By Census place, 1% of its land lies in Chico; 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Chico · its only residential ZIP
- County
- Wise County (74%); Jack County (26%)
- Census places
- Chico
- Metro area
- Dallas-Fort Worth-Arlington, TX
- House districts
- TX-13 (74%), TX-25 (26%) 119th Congress, by share of land
- State
- Texas
- Time zone
- Central
- Land area
- 120.5 sq mi · 37 people per sq mi
Where is ZIP code 76431?
76431 centers on 33.303°, -97.868° and covers 120.5 square miles of land plus 10.2 of water. It borders 6 ZIP codes: 76426, 76225, 76270, 76230, 76458, 76234.
The map draws ZIP code areas only. For the streets inside 76431, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 76431 compare with the rest of Wise County?
| Measure | 76431 | In Wise County | In TX |
|---|---|---|---|
| People (ACS 2020-2024) | 4,494 | 13th of 17 | 1,053rd of 1,990 |
| Median household income | $87k | 12th of 13 | 351st of 1,172 |
| Median home value | $195k | not ranked | not ranked |
76431's median home value is not ranked: its 90% margin of error (±$64,027) is more than a quarter of the figure ($194,700). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
Its median household income is higher than in 70% of U.S. residential ZIP codes, and it is denser than 37% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 76431?
The 2020 Census counted 3,517 people in 76431; the ACS, which samples households over 2020-2024, estimates 4,494. Between the 2010 and 2020 censuses its population grew 3.9% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 4,494±777 (90% margin)
- 2020 Census count
- 3,517+3.9% since 2010 (3,384)
- Households
- 1,557
- Median age
- 39.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 76431?
Of the 4,494 people the ACS estimates in 76431, 27.3% are under 18 and 17.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (86.6%).
- Under 1827.3%
- 18 to 6455.5%
- 65 and older17.2%
- White, not Hispanic86.6%
- Hispanic or Latino8.8%
- Asian, not Hispanic2.2%
- Black, not Hispanic1.2%
- Other or two or more1.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 76431 earn?
Median household income is $86,875 (ACS 2020-2024), the 12th highest of the 13 ranked ZIP codes in Wise County. It rose from $63,444 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $86,875
- Income per person
- $34,677
- Below the poverty line
- 14.9%
- Unemployed (of the labor force)
- 7.8%
- Adults 25+ with a bachelor's degree
- 19.3%
- Adjusted gross income per tax return, 2022
- $75,1971,670 returns; wages 72% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 76431?
FHFA's house price index for 76431, built from repeat sales and appraisals of the same homes, rose 108% from 2015 to 2025 and rose 44% from 2020 to 2025, and moved −14.9% in 2025.
- Median home value (owners' estimate)
- $194,700
- Median gross rent
- $1,308
- Homes owned by their occupants
- 85.7%
- Housing units
- 1,739
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 76431?
59 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in mining, quarrying, and oil and gas extraction (ZIP Code Business Patterns).
- Mining, quarrying, and oil and gas extraction8
- Transportation and warehousing8
- Construction7
- Retail trade7
- Other services (except public administration)6
- Manufacturing4
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 76431?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 76426 | Bridgeport | 11,632 | $92k | 10.0 mi |
| 76225 | Alvord | 3,487 | $84k | 12.6 mi |
| 76270 | Sunset | 1,826 | $74k | 12.7 mi |
| 76230 | Bowie | 10,536 | $67k | 15.7 mi |
| 76458 | Jacksboro | 6,240 | $64k | 19.6 mi |
| 76234 | Decatur | 21,418 | $94k | 20.5 mi |
| 76073 | Paradise | 7,648 | $102k | 16.7 mi (near) |
| 76239 | Forestburg | 1,341 | $76k | 22.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.