ZIP code 75702

ZIP 75702 is a small city in Smith County, Texas, with 28,095 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #414 of 1,989 ranked by population — larger than 79% of them. The median age here is 31.9 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 75702 earn a median of $51,177 a year, 34.8% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 19.4% 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 ZIP 75702 is valued at $99,700, 67.1% below the national figure, while median gross rent runs $906 a month, 35.6% below the national figure, or roughly $10,872 across a full year. A household on the local median income would put about 21.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 1.9×, 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. 54.9% 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.

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.

ZIP 75702 is tabulated inside Smith County, Texas, one of 15 ZIP areas the Census publishes for that county and 1,989 across Texas. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 75702 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 75702 reports a median household income of $51,177, 32% below the $74,848 county median, and 25% below the $68,103 typical TX ZIP. Owner-occupied homes are valued at a median of $99,700, 43% below the county figure and 49% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $906 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 75702 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 75702 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.