ZIP 76443

76443 is one of 4 ZIP codes that lie mostly in Callahan County, TX — 73% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 3 with a value.

2 school locations in 76443: 1 middle, 1 high.

In alphabetical order: CROSS PLAINS EL, CROSS PLAINS H S. Locations only — no ratings are shown here.

In October 2009 the typical home in 76443 was worth $128,236.

Values peaked at $214,130 in January 2022. The latest reading is −6.2% from that peak.

As of August 2026: $200,825, +4.1% over twelve months.

Start with the typical home: $200,825. Put 20% down and borrow $160,660 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,112 a month in principal and interest.

The median household here earns $46,033 a year, $3,836 a month. So the payment takes 29.0% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 18.5% in 2009.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in October 2009 (4.95%) the payment was $548.

In December 2020, with rates at 2.68%, it was $627.

By August 2026, at 6.67%, it was $1,033 — +65% since December 2020, while the home's value moved +4%.

Reported values rose +57% since October 2009.

General prices (CPI-U) rose +54% over the same span.

Divide one by the other: in August 2026 dollars, the 2009 home was worth $197,902. So the real change is +1%, not +57%.

76443: +57% since October 2009.

Callahan County: +81% since October 2009.

Texas: +109% since October 2009 — 76443 ran behind it by 53 points.

Owning the typical home costs about $1,313 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $695 a month.

Price divided by a year's rent: 24.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 4 of the last 24 months.

Across Callahan County, builders pulled permits for 103 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Callahan County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 224 moved in. Among the ten receiving the most, 188 moved out.

Net across those counties: +36 households. Beside it, homes for sale in this ZIP: 5 in June 2026.

Most arrivals came from Taylor, TX (224 households); most departures went to Taylor, TX (188).