ZIP code 76645

ZIP 76645 is a mid-size town in Hill County, Texas, with 11,321 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #773 of 1,989 ranked by population — larger than 61% of them. The median age here is 37.7 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 76645 earn a median of $61,792 a year, 21.3% below the national figure of $78,538. 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 15.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 76645 is valued at $154,800, 49% below the national figure, while median gross rent runs $941 a month, 33.1% below the national figure, or roughly $11,292 across a full year. A household on the local median income would put about 18.3% 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 2.5×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 64.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

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 76645 is tabulated inside Hill 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 76645 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 76645 reports a median household income of $61,792, 4% below the $64,318 county median, and 9% below the $68,103 typical TX ZIP. Owner-occupied homes are valued at a median of $154,800, 12% above the county figure and 21% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $941 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 76645 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 76645 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.