ZIP Code · TX

ZIP 76401

Part of Stephenville, TX

Pop. 31,375·Erath County·677th most expensive ZIP in Texas

Median rent (all units)

$1,000/mo

Year-over-Year

+2.6%

Month-over-Month

+1.0%

vs US Median

-$932

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 76401 · $1,000

More affordable than 98% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$890

1 BR

$890

2 BR

$1,170

3 BR

$1,630

4 BR+

$1,900

Research median

$1,170/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 76401 is at its highest level since Zillow's records here began in March 2023.

Past year vs. the rest of Texas

Rent in ZIP 76401 changed +2.6% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Recent direction

Rent has risen 3 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($61,210) is $1,530 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,170); a 3-bedroom is $1,630.

From Zillow's monthly rent index (ZORI) for ZIP 76401. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$12,000/yr

At $1,000/mo median

Location

CityStephenville

StateTX

CountyErath County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.6% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.6% YoY, +1.0% MoM), not inventory.

Demographics

Who lives here

ZIP 76401 (Stephenville, TX) is majority owner-occupied, skews toward younger working-age adults, has a median income below the national average, 34.1% of residents hold a bachelor's degree or higher.

Population

31,375

Median income

$61,210

Median age

29.7

Renters

44.1%

Age distribution

20%

37.5%

19.6%

13.9%

Under 1820%

18–3437.5%

35–5419.6%

55–649.1%

65+13.9%

Gender

47.9%

52.1%

Male47.9%

Female52.1%

Race & ethnicity

80.5%

18.5%

White80.5%

Black2.4%

Hispanic18.5%

Asian1.3%

Education (25+)

27.1%

28.1%

34.1%

No HS diploma10.7%

HS diploma27.1%

Some college28.1%

Bachelor's+34.1%

Housing tenure

55.9%

44.1%

Owner55.9%

Renter44.1%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 76401 in Stephenville, TX has changed in 5 years

Rent

$926 → $1,000

up 8.0%

Income

$54,431 → $61,210

up 12.5%

Population

29,724 → 31,375

up 5.6%

Renter share

44.5% → 44.1%

-0.4 pts

Bachelor's+

34.6% → 34.1%

-0.5 pts

Median age

29.1 → 29.7

+0.6 yrs

The median rent in ZIP 76401 in Stephenville, TX stood at $926 in 2023 and currently runs about $1,000, reflecting a 8.0% increase over the period. Census figures show median household income at $61,210 today, compared with $54,431 five years earlier. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 5.6% since 2021, moving from about 29,724 residents to roughly 31,375. The combined trend lines point to a market that has changed measurably from where it stood in early 2023.

Community

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Local insights

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About renting in ZIP 76401

Last updated: October 17, 2026

ZIP code 76401 covers Stephenville, TX. The median rent here is $1,000/mo as of October 2026. A 1-bedroom rents for a median of $890/mo. A 2-bedroom rents for a median of $1,170/mo.

At 20% of local median household income ($61,210/yr), ZIP 76401 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.6% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 76401?

To keep rent at or below 30% of gross income, you would need to earn at least $40,000/year (about $19/hour full-time) to afford the median rent of $1,000/mo in ZIP 76401. The local median household income is $61,210/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 76401?

Rent in ZIP 76401 has risen 2.6% over the past year as of September 2026. That is the highest level since Zillow's records here began in March 2023.

How does ZIP 76401 compare to other ZIPs in Texas?

ZIP 76401 is one of the more affordable among Texas ZIP codes for rent, ranking #677 of 693 at $1,000/mo. Over the year to September 2026, rent in ZIP 76401 changed +2.6%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.