ZIP code 75686

ZIP 75686 is a mid-size town in Camp County, Texas, with 13,427 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #722 of 1,989 ranked by population — larger than 63% of them. The median age here is 37.8 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 75686 earn a median of $56,112 a year, 28.6% below the national figure of $78,538. 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 22.7% 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 ZIP 75686 is valued at $158,900, 47.6% below the national figure, while median gross rent runs $753 a month, 46.4% below the national figure, or roughly $9,036 across a full year. A household on the local median income would put about 16.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 76.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

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.

ZIP 75686 is tabulated inside Camp County, Texas, one of 2 ZIP areas the Census publishes for that county and 1,989 across Texas. This is a mid-sized ZIP that covers a large share of its county's addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 75686 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 75686 reports a median household income of $56,112, close to the $56,063 county median, and 18% below the $68,103 typical TX ZIP. Owner-occupied homes are valued at a median of $158,900, close to the county figure and 18% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $753 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Texas charges 6.25% statewide, and local governments overlapping 75686 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 75686 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.