Talco, Texas.
. Mount Pleasant, TX metro.
to buy the typical home at today's mortgage rate — +$751 (+93%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Texas$1,556
- United States$1,922
Living in Talco, Franklin County, Texas
Talco is a city of 494 people in Franklin County. Unemployment in Franklin County was 4.3% in August 2026, and the county had 1.3% more jobs in 2025 than the year before. The most people in Franklin County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Talco is a very small city in Franklin County, in the northeast part of Texas. Winters are mild and short, with snow a rare event, while summers run hot, and rain falls fairly steadily through the year. Few adults here hold a four-year degree, and the pace of life is quiet and small-town.
Work. Residents work mostly in schools, hospitals and social care, in shops, in professional and business services, and in manufacturing. Across Franklin County, some of the largest workplaces are Mount Vernon ISD, Brookshire's and Carlton Mfg. Commutes are of moderate length, and some people work from home.
Things to do. Most of what draws people outdoors lies a longer drive away. Lake Bob Sandlin State Park is a protected area on the water, and Big Cypress Creek is a river good for time outside. The Northeast Texas Rural Heritage Center and Museum, also a longer drive away, is a museum that looks at the region's past.
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- 7%of adults have a degree
- 25 mintypical commute
- 11%work from home
What people in Franklin County work in
Employed residents by industry, from the Census survey. Franklin County had 3,694 jobs in 2025, 1.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 56° and lows near 34°; warmest in August, with highs near 95° and lows near 72°. About 2 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mount Vernon weather station, 14 miles away (NOAA).
Largest workplaces in Franklin County
- Mount Vernon Elara CaringHome health care agencies2,135
- Lowe's Companies, INCWarehouse707
- Mount Vernon ISDSchool district224FTE
- Brookshire'sSupermarkets and other grocery retailers84
- Carlton MfgUpholstered furniture, household-type, custom, manufacturing53
- NFI Interactive Logistics LLC TX08Transportation, warehousing, logistics40
- Caraday of Mount VernonNursing homes31
- Liveoak EnvironmentalWaste28
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 3,078 people in all across the county; Talco has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- DroughtRelatively high
- Ice stormsRelatively high
- HailRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Talco’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Franklin County and the Mount Pleasant, TX metro.
Talco home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Talco14
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Talco address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Talco — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.