76641 ZIP Code — Frost, TX

Navarro County, Texas

ZIP code 76641 is located in Frost, Texas, within Navarro County. It covers approximately 72.17 square miles and serves a population of 1,714 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 254/903/430/972.

About ZIP code 76641

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $137,000. Owner-occupancy is high at 80%, well above the national average.

Median household income is $64,231. Poverty affects 22% of residents, above the national average. 44% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 38 minutes suggests many residents work outside the immediate area.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks. 25% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 76641 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,714

population

72.17

sq mi land

Standard

ZIP type

Central (CT)

timezone

76641 ZIP code map

Cities in ZIP code 76641

Below are the cities the US Postal Service accepts for ZIP code 76641. Using any city not on this list may result in mail delivery delays.

City	Status
Frost	Acceptable
Frost	Preferred

Nearby ZIP codes

76626 Blooming Grove (6.3 mi) 76666 Mertens (7.5 mi) 76660 Malone (9.9 mi) 75102 Barry (10 mi) 76631 Bynum (10.7 mi) 76651 Italy (11.4 mi) 76639 Dawson (12.6 mi) 76670 Milford (12.9 mi) 76679 Purdon (13.4 mi) 76648 Hubbard (13.4 mi) 76041 Forreston (15.3 mi) 75110 Corsicana (15.5 mi)

Demographics updated 06/2026

Population
Total population	1,714
Population density	24 / sq mi
State FIPS	48
County FIPS	349

Geography
Land area	72.17 sq mi
Water area	3.40 sq mi
Latitude	32.0333
Longitude	-96.7814
Timezone	Central (CT)
Area code	254/903/430/972

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.4%	51.6%	39.5%
$50k – $100k	30.9%	27.6%	30.1%
$100k – $200k	16.8%	16.5%	22.6%
Over $200k	1.9%	4.3%	7.8%

Demographics & statistics

1,714

Population

People per sq mi

43.9

Median age

$64,231

Median household income

$25,004

Per capita income

$137,000

Median home value

$1,087

Median monthly rent

80.1%

Home ownership

22.2%

Poverty rate

3.2%

Unemployment

582

Housing units

14.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

103

25–34

102

35–44

160

45–54

158

55–59

60–64

106

65–74

105

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	354	20.7%
18 and over	1,360	79.3%
65 and over	367	21.4%
Median age	43.9 years

Race & ethnicity

White 60.9%

Hispanic or Latino 16.6%

Two or more races 13.3%

Other race 7%

Black or African American 2.2%

Group	Count	%
White	1,252	60.9%
Hispanic or Latino	342	16.6%
Two or more races	274	13.3%
Other race	143	7%
Black or African American	45	2.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.4%	51.6%	39.5%
$50k – $100k	30.9%	27.6%	30.1%
$100k – $200k	16.8%	16.5%	22.6%
Over $200k	1.9%	4.3%	7.8%

Under $10k 5.2%

$10k–$15k 4.7%

$15k–$25k 14.4%

$25k–$35k 10.5%

$35k–$50k 10.1%

$50k–$75k 9.3%

$75k–$100k 14.2%

$100k–$150k 23.1%

$150k–$200k 5.6%

$200k+ 2.9%

Range	% of households
Under $10k	5.2%
$10k–$15k	4.7%
$15k–$25k	14.4%
$25k–$35k	10.5%
$35k–$50k	10.1%
$50k–$75k	9.3%
$75k–$100k	14.2%
$100k–$150k	23.1%
$150k–$200k	5.6%
$200k+	2.9%
Median income	$64,231

Housing

Home values

Under $50k 8.4%

$50k–$100k 20.3%

$100k–$150k 31.9%

$150k–$200k 13.3%

$200k–$300k 16.5%

$300k–$500k 3.8%

$500k–$1M 5.9%

Housing overview

Metric	Value
Median home value	$137,000
Median rent / month	$1,087
Owner occupied	80.1%
Renter occupied	19.9%
Vacant	15.4%
Single-family detached	65.0%
Large apartment buildings	0.0%
Mobile homes	28.0%
Median rooms	5.9
Avg household size (owned)	2.86

Year built

Era	%
2020 or later	0.7%
2010–2019	6.0%
2000–2009	10.7%
1990–1999	21.0%
1980–1989	26.6%
1970–1979	9.3%
1960–1969	6.4%
1950–1959	5.3%
1940–1949	6.6%
1939 or earlier	7.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	8.1%
2 bedrooms	29.4%
3 bedrooms	50.9%
4 bedrooms	10.1%
5+ bedrooms	0.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	25.3%
2 vehicles	36.0%
3 or more	36.7%

Heating fuel

Fuel type	%
Utility gas	17.6%
Electricity	69.3%
Propane / LP gas	13.2%

Households & families

Household type	Count	%
Married-couple family	343	57.9%
Cohabiting couple	19	3.2%
Male householder, no spouse	106	17.9%
Female householder, no spouse	124	20.9%
Households with children under 18	183	30.9%
Households with seniors (65+)	241	40.7%
Average household size	2.90

Marital status

Status	Male	Female
Never married	32.2%	24.5%
Married	51.8%	52.3%
Separated	2.4%	1.5%
Widowed	5.5%	9.0%
Divorced	8.1%	12.7%

Education

Less than 9th grade 5.2%

Some HS, no diploma 12.8%

HS graduate 34.8%

Some college, no degree 15.3%

Associate's degree 17.9%

Bachelor's degree 7.2%

Graduate / professional 6.8%

Metric	%
HS diploma or higher	82.0%
Bachelor's or higher	14.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	9	2.4%
Kindergarten	38	10.2%
Elementary school	130	34.8%
High school	111	29.7%
College / grad school	86	23.0%

Employment

Industry of employment

Education & healthcare 26.7%

Retail trade 16.2%

Transportation & utilities 12.7%

Construction 9.4%

Public administration 7.9%

Arts, food & hospitality 7.2%

Agriculture & mining 5.1%

Other services 4.1%

Professional & management 3.7%

Manufacturing 3.3%

Wholesale trade 2.5%

Finance & real estate 1.2%

Occupation

Category	%
Management, business & arts	23.9%
Service	22.9%
Sales & office	20.6%
Natural resources & construction	15.1%
Production & transportation	17.5%

Employment type

Type	%
Private sector	65.2%
Government	24.3%
Self-employed	10.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	88.2%
Carpool	7.3%
Public transit	0.0%
Walk	0.3%
Work from home	4.2%
Other means	0.0%
Avg commute (minutes)	37.9

Poverty

All people 22.2%

Under 18 years 28.7%

18 and over 20.6%

Married-couple families 15.5%

Female-led households 29.4%

Income support

Source	% of households
Social Security	44.1%
Retirement income	24.2%
Supplemental Security	4.7%
Cash public assistance	3.9%
Food stamps / SNAP	14.9%

Health indicators

Condition	%
Obesity	37.6%
High blood pressure	38.6%
High cholesterol	38.3%
Diabetes	13.5%
Heart disease	8.1%
Stroke	3.8%
Asthma	9.8%
Arthritis	27.3%
Kidney disease	3.4%
Pulmonary disease	9.1%
Cancer	6.7%

Behavior / access	%
Smoking	22.0%
Binge drinking	17.7%
No physical activity	29.2%
Less than 7 hrs sleep	35.3%
Depression	23.7%
Fair or poor health	20.6%
Poor mental health	16.3%
Poor physical health	13.6%
No health insurance	26.5%
Visited doctor (checkup)	72.0%
Visited dentist	50.4%
Cholesterol screening	88.7%
Teeth loss	18.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	160	11.8%

Disability	%
Any disability	19.1%
Under 18	4.2%
18–64 years	14.5%
65 and over	46.0%

Health insurance coverage

Type	%
Private insurance	49.0%
Public insurance	38.0%
No insurance	24.5%
Uninsured under 19	21.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,614	94.2%
Spanish	56	3.5%
Other Indo-European	53	3.3%
Asian & Pacific Islander	3	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,587	92.6%
Born in same state	1,544	90.1%
Born in different state	1,288	75.1%
Foreign born	43	2.5%
Naturalized citizen	127	7.4%
Not a US citizen	57	44.9%

Ancestry

Ancestry	Count	%
Arab	134	7.8%
Italian	126	7.4%
French	94	5.5%

Ancestry	Count	%
Irish	18	1.1%
Polish	5	0.3%

Technology access

Metric	% of households
Computer access	34.5%
Internet access	89.0%

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

Frequently asked questions about ZIP code 76641

What city is ZIP code 76641 in?

ZIP code 76641 is primarily assigned to Frost, Texas.

What county is ZIP code 76641 in?

ZIP code 76641 falls within Navarro County, Texas.

What is the poverty rate in ZIP code 76641?

22% of residents in ZIP code 76641 live below the poverty line, above the national average.

How educated is the population of ZIP code 76641?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 76641 have a large retiree population?

44% of households in ZIP code 76641 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 76641 mostly owner-occupied?

80% of occupied units in ZIP code 76641 are owner-occupied, well above the national average.

What timezone is ZIP code 76641 in?

ZIP code 76641 observes the CST timezone.