ZIP Code 76431

ZIP code 76431 is classified by USPS as a standard delivery area and covers roughly 307.6 square miles in Chico, Wise County, Texas. The area is home to 3,384 residents, producing a population density of 11 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 76431 against Texas and the nation.

On the economic side, the median household income for ZIP 76431 sits at $86,875 (15% above the Texas average), while per-capita income is $34,677. The poverty rate stands at 14.9% and the unemployment rate at 7.8%. 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, a direct signal of whether 76431 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 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 is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →