Zephyr, TX population, income and ZIP codes

Zephyr CDP is a very small community in Texas, with 215 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1537 of 1,863 ranked by population — larger than 17% of them. The median age here is 32.9 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 Zephyr CDP earn a median of $29,543 a year, 62.4% below the national figure of $78,538 and 54% below the $64,654 median for the 1,008 Texas cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 4.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Zephyr CDP is valued at $65,000, 78.6% below the national figure and 64% below the $179,100 peer median, while median gross rent runs $850 a month, 39.5% below the national figure, or roughly $10,200 across a full year. A household on the local median income would put about 34.5% 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 2.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 58.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Zephyr CDP is the unusual combination of expensive to rent and cheap to buy: rent takes 34.5% of median income while homes cost only 2.2× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price. With 215 residents, a handful of survey responses moves every median on this page. Compare Zephyr CDP against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.