76431 ZIP Code — Chico, TX

Wise County, Texas

ZIP code 76431 is located in Chico, Texas, within Wise County. It covers approximately 120.50 square miles and serves a population of 4,543 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 940.

About ZIP code 76431

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $163,100. Owner-occupancy is high at 86%, well above the national average.

Median household income is $70,536. Poverty affects 20% of residents, above the national average. 31% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 31 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks. 18% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 25%.

Overall, ZIP code 76431 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

4,543

population

120.50

sq mi land

Standard

ZIP type

Central (CT)

timezone

76431 ZIP code map

Cities in ZIP code 76431

Below are the cities the US Postal Service accepts for ZIP code 76431. Using any city not on this list may result in mail delivery delays.

City	Status
Chico	Preferred

Nearby ZIP codes

76270 Sunset (7.3 mi) 76225 Alvord (7.5 mi) 76426 Bridgeport (12 mi) 76234 Decatur (16.6 mi) 76073 Paradise (16.8 mi) 76230 Bowie (17.6 mi) 76239 Forestburg (18.5 mi)

Demographics updated 06/2026

Population
Total population	4,543
Population density	38 / sq mi
State FIPS	48
County FIPS	497

Geography
Land area	120.50 sq mi
Water area	10.20 sq mi
Latitude	33.3338
Longitude	-97.7989
Timezone	Central (CT)
Area code	940

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.6%	34.4%	39.5%
$50k – $100k	33.1%	33.8%	30.1%
$100k – $200k	22.8%	25.4%	22.6%
Over $200k	3.5%	6.4%	7.8%

Demographics & statistics

4,543

Population

People per sq mi

38.2

Median age

$70,536

Median household income

$28,998

Per capita income

$163,100

Median home value

$1,224

Median monthly rent

85.6%

Home ownership

20.1%

Poverty rate

8.2%

Unemployment

1,535

Housing units

13.0%

Bachelor's or higher

Age distribution

Male Female

129

Under 5

111

209

5–9

179

279

10–14

240

15–19

139

20–24

119

297

25–34

254

332

35–44

284

228

45–54

195

131

55–59

112

164

60–64

141

264

65–74

227

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,212	26.7%
18 and over	3,331	73.3%
65 and over	832	18.3%
Median age	38.2 years

Race & ethnicity

White 91.9%

Hispanic or Latino 2.4%

Asian 1.9%

Other race 1.5%

Two or more races 1.2%

Black or African American 1%

Group	Count	%
White	4,279	91.9%
Hispanic or Latino	111	2.4%
Asian	90	1.9%
Other race	72	1.5%
Two or more races	54	1.2%
Black or African American	48	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.6%	34.4%	39.5%
$50k – $100k	33.1%	33.8%	30.1%
$100k – $200k	22.8%	25.4%	22.6%
Over $200k	3.5%	6.4%	7.8%

Under $10k 2.9%

$10k–$15k 6.1%

$15k–$25k 9.8%

$25k–$35k 4.9%

$35k–$50k 13.1%

$50k–$75k 15.8%

$75k–$100k 13.9%

$100k–$150k 21.8%

$150k–$200k 3.9%

$200k+ 8.0%

Range	% of households
Under $10k	2.9%
$10k–$15k	6.1%
$15k–$25k	9.8%
$25k–$35k	4.9%
$35k–$50k	13.1%
$50k–$75k	15.8%
$75k–$100k	13.9%
$100k–$150k	21.8%
$150k–$200k	3.9%
$200k+	8.0%
Median income	$70,536

Housing

Home values

Under $50k 7.4%

$50k–$100k 19.2%

$100k–$150k 15.3%

$150k–$200k 22.0%

$200k–$300k 18.4%

$300k–$500k 7.5%

$500k–$1M 8.6%

$1M+ 1.5%

Housing overview

Metric	Value
Median home value	$163,100
Median rent / month	$1,224
Owner occupied	85.6%
Renter occupied	14.4%
Vacant	8.9%
Single-family detached	72.1%
Large apartment buildings	0.0%
Mobile homes	27.6%
Median rooms	5.5
Avg household size (owned)	2.79

Year built

Era	%
2020 or later	0.0%
2010–2019	2.3%
2000–2009	18.3%
1990–1999	16.1%
1980–1989	22.6%
1970–1979	12.1%
1960–1969	6.3%
1950–1959	17.0%
1940–1949	0.6%
1939 or earlier	4.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	7.0%
2 bedrooms	26.7%
3 bedrooms	52.0%
4 bedrooms	12.9%
5+ bedrooms	1.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.1%
1 vehicle	15.7%
2 vehicles	50.4%
3 or more	30.8%

Heating fuel

Fuel type	%
Utility gas	9.0%
Electricity	58.2%
Propane / LP gas	29.9%
Wood	2.9%

Households & families

Household type	Count	%
Married-couple family	903	56.1%
Cohabiting couple	34	2.1%
Male householder, no spouse	409	25.4%
Female householder, no spouse	263	16.3%
Households with children under 18	621	38.6%
Households with seniors (65+)	508	31.6%
Average household size	2.82

Marital status

Status	Male	Female
Never married	28.0%	13.8%
Married	55.8%	68.4%
Separated	0.3%	2.0%
Widowed	0.4%	6.6%
Divorced	15.4%	9.1%

Education

Less than 9th grade 2.7%

Some HS, no diploma 16.1%

HS graduate 39.7%

Some college, no degree 26.1%

Associate's degree 2.4%

Bachelor's degree 10.6%

Graduate / professional 2.4%

Metric	%
HS diploma or higher	81.2%
Bachelor's or higher	13.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	92	8.5%
Kindergarten	56	5.2%
Elementary school	717	66.3%
High school	137	12.7%
College / grad school	79	7.3%

Employment

Industry of employment

Manufacturing 18.2%

Retail trade 12.1%

Education & healthcare 11.2%

Agriculture & mining 11.0%

Transportation & utilities 10.6%

Arts, food & hospitality 9.7%

Finance & real estate 7.7%

Other services 7.1%

Public administration 4.5%

Construction 4.1%

Professional & management 2.6%

Wholesale trade 1.2%

Occupation

Category	%
Management, business & arts	27.9%
Service	10.7%
Sales & office	22.3%
Natural resources & construction	19.4%
Production & transportation	19.7%

Employment type

Type	%
Private sector	84.6%
Government	7.6%
Self-employed	7.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.8%
Carpool	4.2%
Public transit	0.0%
Walk	0.1%
Work from home	19.8%
Other means	1.0%
Avg commute (minutes)	30.6

Poverty

All people 20.1%

Under 18 years 29.3%

18 and over 16.8%

Married-couple families 8.9%

Female-led households 67.7%

Income support

Source	% of households
Social Security	31.0%
Retirement income	20.1%
Supplemental Security	3.4%
Cash public assistance	1.7%
Food stamps / SNAP	6.8%

Health indicators

Condition	%
Obesity	36.3%
High blood pressure	37.9%
High cholesterol	37.8%
Diabetes	12.8%
Heart disease	7.9%
Stroke	3.7%
Asthma	10.0%
Arthritis	26.5%
Kidney disease	3.3%
Pulmonary disease	9.7%
Cancer	6.5%

Behavior / access	%
Smoking	24.2%
Binge drinking	18.6%
No physical activity	29.6%
Less than 7 hrs sleep	34.1%
Depression	25.6%
Fair or poor health	20.9%
Poor mental health	17.2%
Poor physical health	14.0%
No health insurance	27.2%
Visited doctor (checkup)	69.9%
Visited dentist	47.9%
Cholesterol screening	87.2%
Teeth loss	19.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	219	6.6%

Disability	%
Any disability	25.4%
Under 18	4.7%
18–64 years	24.9%
65 and over	57.1%

Health insurance coverage

Type	%
Private insurance	54.4%
Public insurance	38.8%
No insurance	18.3%
Uninsured under 19	4.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,303	94.7%
Spanish	196	4.6%
Other Indo-European	156	3.6%
Asian & Pacific Islander	40	0.9%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,126	90.8%
Born in same state	4,117	90.6%
Born in different state	3,305	72.7%
Foreign born	9	0.2%
Naturalized citizen	417	9.2%
Not a US citizen	101	24.2%

Ancestry

Ancestry	Count	%
French	445	9.8%
Italian	427	9.4%
Arab	113	2.5%
Dutch	56	1.2%

Ancestry	Count	%
German	29	0.6%
Polish	18	0.4%
English	15	0.3%

Technology access

Metric	% of households
Computer access	35.4%
Internet access	89.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 76431

What city is ZIP code 76431 in?

ZIP code 76431 is primarily assigned to Chico, Texas.

What county is ZIP code 76431 in?

ZIP code 76431 falls within Wise County, Texas.

Is ZIP code 76431 mostly owner-occupied?

86% of occupied units in ZIP code 76431 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 76431?

20% of residents in ZIP code 76431 live below the poverty line, above the national average.

How educated is the population of ZIP code 76431?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 76431?

The median home value in ZIP code 76431 is $163,100.

What timezone is ZIP code 76431 in?

ZIP code 76431 observes the CST timezone.