Population & age
- Total population
- 5,395
- Median age
- 31.8
Grayson County · Sherman-Denison, TX · Population 5,395
Howe, TX (ZIP 75459) sits in Grayson County within the Sherman-Denison metro area. The page draws on 2 federal data feeds retrieved Apr 24. Top health signal: Depression comes in above the national average at 25.2%. NCES lists 6 schools serving the area, 6 non-charter. 5 colleges and universities serve the area, with median in-state tuition of $4,990. IRS data shows average household income (AGI) of $76,472, well above the ~$45K national average per return. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1981 — a high-frequency exposure profile. 18.5% of residents under 65 lack health insurance per the 2025 County Health Rankings — a notable access gap. Fast-food restaurants outnumber grocery stores roughly 8-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Texas has no state income tax, saving the local median household (AGI $76,472) approximately $3,518/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 2,356 residents (1,095 households) — the ZIP's primary county is growing. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $71,389, fair market rent of $1,360 for a two-bedroom, and a typical home value of $306,050, down 6.0% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$1,100
/month
1 Bed
$1,100
/month
2 Bed
$1,360
/month
3 Bed
$1,890
/month
4 Bed
$2,170
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$306,050
Zillow Home Value Index (ZHVI) · as of March 2026
-6.0%
vs. March 2025
+24.2%
vs. March 2021
Sherman-Denison, TX
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
2,142
Across 1,421 permitted buildings. Total construction value: $506.5M.
Single-family
1,368
64% of total units
Multifamily (2+ unit)
774
36% of total units
Single-family value
$403.7M
construction value
Multifamily value
$102.8M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
2,470
Average AGI
$76,472
Avg property tax
$295
EITC participation
15.0%
Income distribution
Avg mortgage interest
$498
Avg charitable contribution
$666
Avg capital gains
$3,724
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $188.9M across all reported brackets.
Business establishments
61
Total employment
294
Annual payroll
$16.6M
Average annual pay
$56,582
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$58,282
Average weekly wage
$1,121
Total employment
52,026
Total establishments
3,223
That is roughly 11% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
3.9%
That tracks the US national unemployment rate of about 4.0%.
Labor force
71,462
Employed
68,698
Unemployed
2,764
Based on Grayson County, TX data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
1
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$95.1M
across all branches in this ZIP
Distinct institutions
1
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Sherman--Denison, TX
Reporting agencies
1
Largest: Texoma Area Paratransit System, Inc
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 central
Avg hours / week
50.8
across outlets in this ZIP
Avg square feet
4,500
per outlet
Outlets in this ZIP
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federally Declared Disasters
21
Date Range
1981–2021
Most Recent Declaration
SEVERE WINTER STORMS
Severe Ice Storm — declared February 19, 2021 (DR-4586)
Incident period: February 11, 2021 – February 21, 2021
Top Incident Types
Individual Assistance
4
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
19
Repair of public facilities & roads
Hazard Mitigation
9
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
63.2°F
52.5° – 73.8°
Annual precipitation
42.8"
Annual snowfall
2.6"
Heating · cooling days
2,886.2 · 2,259.2
Annual base 65°F
Nearest station: GAINESVILLE 5 ENE, TX US, 23.2 miles from the centroid of Howe, TX (ZIP 75459)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Years of potential life lost (per 100K)
9,794
That is roughly 1,594 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
21%
of adults self-report
Poor physical health days
4.3
avg per adult per month
Poor mental health days
5.7
avg per adult per month
Uninsured
18.5%
of residents under 65
Primary care MDs
42
per 100,000 residents
Preventable hospital stays
4,453
per 100K Medicare enrollees
Food environment (0-10)
7.4
10 = best access & security
Exercise access
78%
residents near a facility
Flu vaccinated
47%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Grayson data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Moderate food access challenges
18.6% of Grayson County, TX residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.08
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.94
accepting food benefits
Fast-food restaurants
0.67
per 1,000 residents
Among low-income residents, 5.9% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Grayson County, TX for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 86 reports
Property crime rate
—
per 100K residents · 234 reports
Homicide
2
Robbery
2
Burglary
65
Vehicle theft
18
County-level data for Grayson (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Net migration (2022-2023)
▲+2,356 people
+1,095 households • +$157.4M net AGI flow
Moved in
6,106households
11,536 people • $470.2M AGI
Moved out
5,011households
9,180 people • $312.7M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $77,001 versus departing households' $62,411.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 75459. Numbers reflect the most recent published year per source.
Income tax
None
No state income tax
Sales tax (combined)
8.20%
State 6.25% · avg local 1.95%
Property tax (effective)
1.42%
Median $1,254/year
Tax burden rank
4 of 50
8.40% of personal income
For ZIP 75459: A household at this ZIP's median AGI of $76,472 keeps approximately $3,518 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $306,050, that works out to roughly $4,356/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
SNAP eligibility
165% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). Asset limit $5,000.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Nearby ZIPs by distance
75058 (Gunter, 6.3 mi) · 76268 (Southmayd, 8.3 mi) · 75092 (Sherman, 8.6 mi) · 75090 (Sherman, 9.2 mi) · 75495 (Van Alstyne, 10 mi) · 75489 (Tom Bean, 11.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
33.7%
Tracks close to the 33.0% national rate.
33.1%
Tracks close to the 32.0% national rate.
25.2%
3.2pp above the 22.0% national rate.
73.3%
2.7pp below the 76.0% national rate.
14.2%
Tracks close to the 13.0% national rate.
11.1%
Tracks close to the 11.0% national rate.
6 schools serve this ZIP, including 6 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| HOWE H S | Public | 9–12 | 357 |
| SUMMIT HILL EL | Public | -1–2 | 303 |
| HOWE MIDDLE | Public | 6–8 | 292 |
| HOWE INT | Public | 3–5 | 272 |
| AEP CAMPUS | Alternative | — | — |
Showing top 5 by enrollment. 1 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 23, 2026Colleges in this area
5
Median in-state tuition
$4,990
Median earnings (10 yr)
$37,870
Commerce, TX · 75428
Paris, TX · 75460
Mount Pleasant, TX · 75455
Greenville, TX · 75402
Greenville, TX · 75401
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Howe, TX (ZIP 75459) sits in Grayson County within the Sherman-Denison metro area. The page draws on 2 federal data feeds retrieved Apr 24. Top health signal: Depression comes in above the national average at 25.2%. NCES lists 6 schools serving the area, 6 non-charter. 5 colleges and universities serve the area, with median in-state tuition of $4,990. IRS data shows average household income (AGI) of $76,472, well above the ~$45K national average per return. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1981 — a high-frequency exposure profile. 18.5% of residents under 65 lack health insurance per the 2025 County Health Rankings — a notable access gap. Fast-food restaurants outnumber grocery stores roughly 8-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Texas has no state income tax, saving the local median household (AGI $76,472) approximately $3,518/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 2,356 residents (1,095 households) — the ZIP's primary county is growing. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $71,389, fair market rent of $1,360 for a two-bedroom, and a typical home value of $306,050, down 6.0% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 25.2%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
33.7%, which is 0.7 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
25.2%, which is 3.2 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
33.1%, which is 1.1 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
6 schools serve this ZIP, including 6 public schools (NCES CCD, retrieved Apr 23, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 75459 by NCES CCD (retrieved Apr 23, 2026).
Yes, 1 high school serves this ZIP: Howe H S. (NCES CCD, retrieved Apr 23, 2026).
5,395 people live in ZIP 75459, with a median age of 31.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$71,389 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 75459, 63.9% of occupied housing units are owner-occupied and 36.1% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 75459, 6.4% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
20.4% of the population in ZIP 75459 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
88.5% of households in ZIP 75459 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 75459 is $306,050, down 6.0% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 6.0% over the past year and up 24.2% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 75459 (Howe, TX) is $76,472 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 75459 report an average of $295 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
5.7% of tax returns from ZIP 75459 (Howe, TX) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 61 business establishments operated in ZIP 75459 employing 294 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 75459 is $56,582, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 75459 ranks in the 48th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 75459, ranking in the 55th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 21 federal disaster declarations affecting ZIP 75459 between 1981–2021 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Severe Storm is the most common federally declared disaster type affecting ZIP 75459, accounting for 5 of 21 declarations (24%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 75459 was "SEVERE WINTER STORMS" — a severe ice storm declared in 2021 (DR-4586) (FEMA OpenFEMA, retrieved May 3, 2026).
5 colleges and universities are listed near ZIP 75459 by the U.S. Department of Education College Scorecard, including East Texas A&m University, Paris Junior College, and Northeast Texas Community College (retrieved May 2, 2026).
Median in-state tuition across 5 nearby institutions is $4,990 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $37,870 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 75459 has an average annual temperature of 63.2°F and 42.8" of annual precipitation based on the GAINESVILLE 5 ENE, TX US weather station 23.2 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 75459 is part of the Sherman--Denison, TX urbanized area, primarily served by Texoma Area Paratransit System, Inc (National Transit Database 2024, retrieved May 4, 2026).
Texas has no state income tax. For a household earning the local median AGI of $76,472, this saves approximately $3,518 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 8.20% (Tax Foundation 2025).
Texas runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (6 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (5 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (21 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 23, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (21 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Nearby ZIPs by distance
75058 (Gunter, 6.3 mi) · 76268 (Southmayd, 8.3 mi) · 75092 (Sherman, 8.6 mi) · 75090 (Sherman, 9.2 mi) · 75495 (Van Alstyne, 10 mi) · 75489 (Tom Bean, 11.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 75459?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 23, 2026.
Social Vulnerability Index
Overall SVI
48th percentile
Moderate Vulnerability
Based on 3 census tracts, population 6,313
Vulnerability Themes
Households Without Vehicle
40
Limited English Speakers
170
Persons with Disability
507
Without HS Diploma
375
Without Health Insurance
1,128
Adults Age 65+
862
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.