Zip code 76431: Chico, Texas

Q: What city is zip code 76431?

76431 is assigned to Chico, Texas. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 76431 in?

76431 is mostly in Wise County, but it extends into 1 other county.

Q: What is the population of 76431?

About 4,494 people live in 76431, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 76431?

The median household income in 76431 is $86,875.

Q: What zip codes are near 76431?

The closest zip codes to 76431 are 76426, 76225, 76270, 76230, 76073.

Residential delivery areaWise CountyCentral Time

Population

4,494

Median household income

$87K

U.S. $81K

Median home value

$195K

U.S. $333K

Median rent

$1,308/mo

U.S. $1,413

Median age

39.6

U.S. 38.9

Land area

121 sq mi

37 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 76431

76431 is a rural zip code in Chico, Texas (Wise County), covering 121 sq mi of land. About 4,494 people live here, or 37 per square mile. The median resident is 39.6 years old, compared with 38.9 nationally.

The median household earns $86,875 a year, close to the national median of $80,734. 14.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $194,700, or 2.2 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 86% of occupied homes are lived in by their owners, and renters pay a median of $1,308 a month.

19% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 29.2 minutes each way, and 23% of workers work from home. The most common jobs among working residents are in sales; transportation and moving goods; and office and administrative support.

How 76431 compares

Sorted from highest to lowest national percentile

Veterans10.3%
91st
U.S. 6.2% · TX 6.2%303rd of 1,818 in TX
Homeownership rate85.7%
90th
StrengthU.S. 65.2% · TX 62.6%356th of 1,792 in TX
Uninsured rate15.1%
89th
WeaknessU.S. 8.4% · TX 17.1%954th of 1,808 in TX
Residents under 1827.3%
88th
U.S. 22% · TX 25%497th of 1,818 in TX
Unemployment rate7.8%
86th
WeaknessU.S. 5.2% · TX 5.3%306th of 1,810 in TX
Work from home22.9%
84th
U.S. 15.1% · TX 14.4%158th of 1,810 in TX
Housing vacancy10.5%
73rd
U.S. 10.1% · TX 9.4%1,036th of 1,794 in TX
Government workers17.1%
72nd
U.S. 14.5% · TX 14.1%707th of 1,810 in TX
Average commute29.2 min
70th
U.S. 26.4 min · TX 26.7 min615th of 1,738 in TX
Poverty rate14.9%
69th
U.S. 12.5% · TX 13.8%706th of 1,794 in TX
Median earnings per worker$52,624
63rd
U.S. $49,666 · TX $47,575448th of 1,794 in TX
Median household income$86,875
58th
U.S. $80,734 · TX $78,476445th of 1,712 in TX
Residents 65 and older17.2%
55th
U.S. 17.2% · TX 13.4%809th of 1,818 in TX
Median age39.6
54th
U.S. 38.9 · TX 35.6765th of 1,817 in TX
Median gross rent$1,308
44th
U.S. $1,413 · TX $1,403548th of 1,511 in TX
Foreign-born residents6.1%
34th
U.S. 14.1% · TX 17.6%1,120th of 1,818 in TX
Per capita income$34,677
33rd
U.S. $44,673 · TX $40,752866th of 1,813 in TX
Income inequality (Gini)0.408
27th
U.S. 0.483 · TX 0.4781,172nd of 1,785 in TX
Median home value$194,700
20th
U.S. $332,700 · TX $283,800930th of 1,679 in TX
Bachelor's degree or higher19.3%
19th
WeaknessU.S. 35.7% · TX 33.8%1,060th of 1,811 in TX
Diversity index24.2
17th
U.S. 61.4 · TX 67.11,553rd of 1,818 in TX
Broadband access86.2%
16th
WeaknessU.S. 91% · TX 91.4%1,137th of 1,792 in TX
Self-employed workers6.6%
15th
U.S. 10% · TX 10.5%1,544th of 1,810 in TX
Population4,494
7th
U.S. 334,922,499 · TX 30,188,4241,053rd of 1,818 in TX
Population density37/sq mi
5th
U.S. 95/sq mi · TX 116/sq mi1,154th of 1,818 in TX
Tech workers0.4%
5th
U.S. 3.8% · TX 3.8%1,259th of 1,810 in TX
Rent-burdened renters29%
4th
StrengthU.S. 51.1% · TX 51.7%1,358th of 1,692 in TX
Healthcare workers3.4%
1st
U.S. 9.7% · TX 8.6%1,587th of 1,810 in TX

Measure	76431	Wise	TX	U.S.	National percentile	Rank in TX
Veterans	10.3%	8.8%	6.2%	6.2%	91st	303rd of 1,818
Homeownership rateStrength	85.7%	81.4%	62.6%	65.2%	90th	356th of 1,792
Uninsured rateWeakness	15.1%	14.9%	17.1%	8.4%	89th	954th of 1,808
Residents under 18	27.3%	24.5%	25%	22%	88th	497th of 1,818
Unemployment rateWeakness	7.8%	5.3%	5.3%	5.2%	86th	306th of 1,810
Work from home	22.9%	12%	14.4%	15.1%	84th	158th of 1,810
Housing vacancy	10.5%	8.7%	9.4%	10.1%	73rd	1,036th of 1,794
Government workers	17.1%	12.6%	14.1%	14.5%	72nd	707th of 1,810
Average commute	29.2 min	34.3 min	26.7 min	26.4 min	70th	615th of 1,738
Poverty rate	14.9%	8.9%	13.8%	12.5%	69th	706th of 1,794
Median earnings per worker	$52,624	$49,400	$47,575	$49,666	63rd	448th of 1,794
Median household income	$86,875	$93,421	$78,476	$80,734	58th	445th of 1,712
Residents 65 and older	17.2%	15.5%	13.4%	17.2%	55th	809th of 1,818
Median age	39.6	39.5	35.6	38.9	54th	765th of 1,817
Median gross rent	$1,308	$1,299	$1,403	$1,413	44th	548th of 1,511
Foreign-born residents	6.1%	8%	17.6%	14.1%	34th	1,120th of 1,818
Per capita income	$34,677	$38,827	$40,752	$44,673	33rd	866th of 1,813
Income inequality (Gini)	0.408	0.409	0.478	0.483	27th	1,172nd of 1,785
Median home value	$194,700	$304,900	$283,800	$332,700	20th	930th of 1,679
Bachelor's degree or higherWeakness	19.3%	22.2%	33.8%	35.7%	19th	1,060th of 1,811
Diversity index	24.2	42.3	67.1	61.4	17th	1,553rd of 1,818
Broadband accessWeakness	86.2%	90.2%	91.4%	91%	16th	1,137th of 1,792
Self-employed workers	6.6%	11.3%	10.5%	10%	15th	1,544th of 1,810
Population	4,494	75,005	30,188,424	334,922,499	7th	1,053rd of 1,818
Population density	37/sq mi	83/sq mi	116/sq mi	95/sq mi	5th	1,154th of 1,818
Tech workers	0.4%	2%	3.8%	3.8%	5th	1,259th of 1,810
Rent-burdened rentersStrength	29%	40.9%	51.7%	51.1%	4th	1,358th of 1,692
Healthcare workers	3.4%	7.1%	8.6%	9.7%	1st	1,587th of 1,810

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

21%

5–17

18–24

12%

25–34

14%

35–44

13%

45–54

12%

55–64

10%

65–74

75+

Median age

39.6

Under 18

27.3%

65 and over

17.2%

Race and ethnicity

White87%
Black1%
Hispanic9%
Asian2%
Native American0%
Pacific Islander0%
Other0%
Multiracial1%

Diversity index

24.2

U.S. 61.4

Foreign-born

6.1%

U.S. 14.1%

Born in state

71.4%

Language spoken at home (households)

English only

90%

Spanish

Other Indo-European

Asian / Pacific

0.2%

Other

Households

Households: 1,557
Average household size: 2.9
Family households: 75.5%
Married couples: 61.7%
Living alone: 21%
Veterans (of adults): 10.3%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

16%

$25–50k

14%

$50–75k

$75–100k

25%

$100–150k

20%

$150–200k

$200k+

11%

Median household income

76431

$86,875

Wise Co.

$93,421

Texas

$78,476

United States

$80,734

Per capita income

$34,677

U.S. $44,673

Poverty rate

14.9%

U.S. 12.5%

Households earning $150K+

17.1%

U.S. 23%

Income inequality (Gini)

0.408

U.S. 0.483

Housing

Median home value

76431

$194,700

Wise Co.

$304,900

Texas

$283,800

United States

$332,700

Median gross rent

76431

$1,308

Wise Co.

$1,299

Texas

$1,403

United States

$1,413

Types of housing

Single-family

75%

2–4 units

5–19 units

0.3%

20+ units

Mobile home

24%

Boat, RV, van

0.5%

Housing units: 1,739
Owner-occupied: 85.7%
Vacant: 10.5%
Median year built: 1986
Median rooms: 5.7
Renters paying 30%+ of income: 29%
Renters paying 50%+ of income: 6.7%
Home value to income: 2.2× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

70%

Carpooled

Transit

Walked

Bicycle

Worked from home

23%

Other

0.9%

Commute time (one way)

<10 min

11%

10–19

32%

20–29

26%

30–44

45–59

10%

60+

14%

Average commute

29.2 min

U.S. 26.4 min

Unemployment

7.8%

U.S. 5.2%

In labor force

67.5%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

15%

Transportation and moving

15%

Office and admin

12%

Construction and repair

11%

Management

11%

Education

10%

Business and finance

10%

Engineering and science

Healthcare

Farming, fishing and forestry

Cleaning and personal care

Food service

Production

Police and fire

0.5%

Computer and math

0.4%

Legal and social services

0.4%

Arts, media and sports

Industries

Retail

15%

Education

13%

Transportation, warehousing and utilities

12%

Restaurants and hotels

10%

Manufacturing

Agriculture and mining

Finance, insurance and real estate

Public administration

Construction

Admin, support and management

Professional and technical services

Health care and social assistance

Other services

Wholesale

Information

0.6%

Arts and recreation

0.3%

Median earnings per worker

$52,624

U.S. $49,666

Self-employed

6.6%

U.S. 10%

Government workers

17.1%

U.S. 14.5%

Nonprofit workers

3.4%

U.S. 8.8%

Median earnings by type of work

Type of work	76431	U.S.
Management, business, science and arts	$61,202	$74,888
Service	$30,833	$26,804
Sales and office	$27,434	$40,476
Construction and maintenance	$71,875	$49,199
Production and transportation	$55,096	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

13%

High school

35%

Some college

25%

Associate's

Bachelor's

16%

Graduate

High school graduate or higher: 86.6%
Bachelor's degree or higher: 19.3%
Graduate or professional degree: 3.8%
Households with broadband: 86.2%
Cable, fiber or DSL: 35%
No internet access: 13.7%
Without health insurance: 15.1%
Limited-English households: 1.9%

Geography

City (USPS): Chico
State: Texas
County: Wise County
Center point: 33.3028° N, 97.8684° W
Land area: 121 sq mi
Water area: 10 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

76431 spans 2 counties

Wise County75% of land
Jack County26% of land

Cities and towns within this zip

Chico1% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 76431

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
76426	Bridgeport, TX	10 mi	11,632	$92,130	$268,900
76225	Alvord, TX	13 mi	3,487	$84,336	$305,800
76270	Sunset, TX	13 mi	1,826	$73,553	$235,200
76230	Bowie, TX	16 mi	10,536	$66,641	$220,600
76073	Paradise, TX	17 mi	7,648	$101,563	$336,000
76458	Jacksboro, TX	20 mi	6,240	$64,297	$259,000
76234	Decatur, TX	21 mi	21,418	$93,727	$344,700
76239	Forestburg, TX	22 mi	1,341	$76,250	$228,200
76486	Perrin, TX	23 mi	1,123	$69,808	$408,600
76487	Poolville, TX	23 mi	4,133	$77,361	$272,000
76023	Boyd, TX	24 mi	7,534	$77,277	$319,700
76246	Greenwood, TX · PO box	24 mi	—	—	—

Zip codes like 76431 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 76431

What city is zip code 76431?

76431 is assigned to Chico, Texas. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 76431 in?

76431 is mostly in Wise County, but it extends into 1 other county.

What is the population of 76431?

About 4,494 people live in 76431, according to the Census Bureau's American Community Survey.

What time zone is 76431 in?

76431 is in Central Time.

What is the median household income in 76431?

The median household income in 76431 is $86,875.

What zip codes are near 76431?

The closest zip codes to 76431 are 76426, 76225, 76270, 76230, 76073.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 76431, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.