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Area data

Stephenville, TX — ZIP 76401

Population: 31,375 (Census ACS)

The typical home value in ZIP 76401 (Stephenville, TX) is $326,448 — down 0.6% over the past year. Homes sell for a median $342,500 after a median 57 days on market. Typical rent runs $911/month. 11 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with cold wave, drought, lightning the top-rated hazards. Cost of living is 2.9% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$326,448

Typical home value

-0.6%

1-year change

57

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Typical home value
$326,448
1-year appreciation
-0.6%
3-year appreciation
+3.4%
5-year appreciation
+26.7%
10-year appreciation
+90.1%
Peak value since 2000 (Apr 2025)
$332,040
House Price Index (state)
450.8 (+0.4% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$342,500
Median list price
$335,750
Median price per sqft
$204
1-year sale-price change
+10.5%
Median days on market
57 days
Homes sold (recent period)
87
For-sale inventory
203
Sale-to-list ratio
96.7%
Active listings
147
1-year forecast
+0.7%
Days to pending
81 days
New listings (monthly)
47

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$911/mo
1-year rent change
+1.0%
Studio fair-market rent
$877/mo
1BR fair-market rent
$963/mo
2BR fair-market rent
$1,260/mo
3BR fair-market rent
$1,745/mo
4BR fair-market rent
$1,935/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Average)
97.1 (100 = US avg)
Electricity rate (state-level)
15.5¢/kWh
Natural gas rate (state-level)
$19.40/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
11
Elementary schools
5
Middle schools
2
High schools
3
Charter schools
1
Avg student-teacher ratio
13.0 : 1
School districts serving the area
ERATH EXCELS ACADEMY INC, HUCKABAY ISD, MORGAN MILL ISD
Schools include
HUSTON ACADEMY, HUCKABAY SCHOOL, MORGAN MILL EL, CENTRAL EL, CHAMBERLIN EL

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
cold wave, drought, lightning, strong wind, tornado
Notable hazard ratings (county)
cold wave: Relatively High · drought: Relatively Moderate · tornado: Relatively Moderate · wildfire: Relatively Moderate · lightning: Relatively Moderate · strong wind: Relatively Moderate
Most common flood zone among NFIP claims
Zone X
NFIP flood claims on record
19
Wildfire risk to homes (county)
Higher than 92% of US counties
Buildings in wildfire direct-exposure zone
75.6%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
69.0°F
Average high
79.0°F
Average low
59.0°F
Annual precipitation
34.6 in
Annual snowfall
0.2 in
USDA plant hardiness zone
8b (extreme annual low 15 to 20°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
9.7 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
8,011
Jobs reachable by transit (45 min)
7,026

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
36
Nearest airport
Stephenville Clark Regional Airport (SEP) (5 mi)
Nearest major airport
Mineral Wells Regional Airport (MWL) (35 mi)
Hospitals in or near this ZIP
1
Hospitals include
TEXAS HEALTH HARRIS METHODIST HOSPITAL STEPHENVILL
Avg hospital rating (CMS)
4.0 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Good (4.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
+15 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1992
Housing built before 1970
21.9%
Housing built 2000 or later
38.1%
Median annual property tax
$3,029
Mean commute to work
17 min
Households with broadband internet
67.2%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
15,029
Average weekly wage
$983
Top industries (by employment)
Accommodation & Food, Health Care, Construction
Annual residential building permits (county)
36

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 76401State medianUS median
Typical home value$326,448$260,760$288,527
Median sale price$342,500$285,000$325,000
Median days on market57 days71 days51 days
Typical rent$911/mo$1,567/mo$1,809/mo
Median annual property tax$3,029$2,390$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 76401?
$326,448.
What is the median sale price in ZIP 76401?
$342,500.
How long do homes take to sell in ZIP 76401?
Median days on market: 57 days.
What is typical rent in ZIP 76401?
Typical rent: $911/month.
What is the natural-hazard risk in ZIP 76401?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: cold wave, drought, lightning, strong wind, tornado.
Is ZIP 76401 in a flood zone?
Flood zones vary by property within ZIP 76401. 19 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is X. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 76401?
Risk to homes is higher than 92% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 76401?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 76401?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 76401?
11 schools (5 elementary, 2 middle, 3 high) (NCES, 2024-25).
Is ZIP 76401 walkable?
Walkability index: 9.7/20 (EPA Smart Location Database).
What is the cost of living in ZIP 76401?
Regional Price Parity: 97.1 (100 = US average) (Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

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