Payne Springs, TX population, income and ZIP codes

Payne Springs town is a very small community in Texas, with 648 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1185 of 1,863 ranked by population — larger than 36% of them. The median age here is 46.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Payne Springs town earn a median of $42,841 a year, 45.5% below the national figure of $78,538 and 34% below the $64,654 median for the 1,008 Texas cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 20.4% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Payne Springs town is valued at $170,200, 43.9% below the national figure and 5% below the $179,100 peer median, while median gross rent runs $1,125 a month, 20% below the national figure, or roughly $13,500 across a full year. A household on the local median income would put about 31.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 74.2% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

With 648 residents, a handful of survey responses moves every median on this page. Compare Payne Springs town against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.