Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX

Public Use Microdata Area (PUMA)

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2024 Population

202,924

US Senator

John Cornyn

Republican Party

US Senator

Ted Cruz

Republican Party

2024 Median Age

35.2

0.285% 1-year increase

2024 Poverty Rate

8.27%

3.8% 1-year decrease

2024 Median Household Income

$107,144

3.41% 1-year growth

2024 Median Property Value

$390,000

10.5% 1-year growth

2023 Employed Population

100,784

6.2% 1-year growth

About

36.3% of the households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX reported speaking a non-English language at home as their primary shared language. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

89.2% of the residents in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX are U.S. citizens.

The largest universities in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX are Virginia College-Austin (290 degrees awarded in 2018).

In 2024, the median property value in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was $390,000, and the homeownership rate was 69.8%.

Most people in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX drove alone to work, and the average commute time was 29.2 minutes. The average car ownership in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was 2 cars per household.

Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX borders Capital Area COG (East)--Bastrop, Caldwell, Fayette & Lee Counties PUMA, TX, Capital Area COG--Williamson County (North), Georgetown (East) & Taylor Cities PUMA, TX, Capital Area COG--Williamson County (Southeast), Round Rock City PUMA, TX, Williamson County (South)--Austin City (Far North), Brushy Creek & Jollyville PUMA, TX, Austin City (North) PUMA, TX, Austin City (Northeast) PUMA, TX, and Travis County (West, South & Outside Austin City) PUMA, TX.

United States Texas

Population & Diversity

Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX is home to a population of 203k people, from which 89.2% are citizens. As of 2024, 20.6% of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX residents were born outside of the country (41.8k people).

In 2024, there were 1.86 times more White (Non-Hispanic) residents (64.2k people) in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX than any other race or ethnicity. There were 34.6k Two Races Including Other (Hispanic) and 30.7k Black or African American (Non-Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary language in households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX are Spanish (45,111 households), Vietnamese (4,363 households), and Arabic (2,471 households).

Population & Diversity

Residents by Gender and Age

RACE/ETHNICITY

98,911

Women

50.6%

96,431

Men

49.4%

The resident population of United States in 2023 was 195,342 inhabitants, with 49.4% men, and 50.6% women.

The visualization shows the distribution of the residents by gender and age in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX.

With the upper buttons you can add a filter by race.

Citizenship

89.2%

2024 Citizenship

90.1%

2023 Citizenship

As of 2024, 89.2% of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX residents were US citizens, which is lower than the national average of 93.2%. In 2023, the percentage of US citizens in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was 90.1%, meaning that the rate of citizenship has been decreasing.

The following chart shows US citizenship percentages in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX compared to that of it's neighboring and parent geographies.

Diversity

Race and Ethnicity

The 3 largest ethnic groups in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX

White (Non-Hispanic)
64.2k ± 3.35k
Two Races Including Other (Hispanic)
34.6k ± 4.94k
Black or African American (Non-Hispanic)
30.7k ± 2.53k

39.2%

Hispanic Population

79.6k people

39.2% of the people in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX are hispanic (79.6k people).

The following chart shows the 8 races represented in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX as a share of the total population.

Global Diversity

Most Common Origin

Mexico
12,196 ± 2,625 people
Vietnam
4,337 ± 1,599 people
India
2,357 ± 1,185 people

In 2023, the most common birthplace for the foreign-born residents of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was Mexico, the natal country of 12,196 Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX residents, followed by Vietnam with 4,337 and India with 2,357.

Foreign-Born Population

20.6%

2024 Foreign-Born Population

41.8k people

19.4%

2023 Foreign-Born Population

37.8k people

As of 2024, 20.6% of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX residents (41.8k people) were born outside of the United States, which is approximately the same as the national average of 14%. In 2023, the percentage of foreign-born citizens in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was 19.4%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX compared to that of it's neighboring and parent geographies.

Non-English Households

Most Common Non-English Languages

Spanish
45,111 households (24.1%)
Vietnamese
4,363 households (2.33%)
Arabic
2,471 households (1.32%)

36.3% of the households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX reported speaking a non-English language at home as their primary shared language, which is higher than the national average of 22.3%. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

In 2024, the most common non-English language spoken in households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was Spanish. 24.1% of the households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX reported speaking Spanish at home as the primary shared language between all members living in the household.

Military

Veterans

Most Common Service Period

Gulf War (2001-)
3,740 ± 600
Gulf War (1990s)
1,973 ± 380
Vietnam
1,460 ± 361

Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX has a large population of military personnel who served in Gulf War (2001-), 1.9 times greater than any other conflict.

The chart shows the distribution of veterans by conflict in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX.

Economy

The economy of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX employs 101k people. In 2023, the largest industries in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX were Elementary & secondary schools (6,777 people), Computer Systems Design (6,182 people), and Construction (5,601 people), and the highest paying industries were Business, professional, political, & similar organizations ($135,563), Commercial & industrial machinery & equipment repair & maintenance ($128,667), and Electric power generation, transmission & distribution ($127,584).

Males in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX have an average income that is 1.34 times higher than the average income of females, which is $63,187. The income inequality in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX (measured using the Gini index) is 0.399, which is lower than than the national average.

Employment

Workforce Diversity

Measure

RACE/ETHNICITY

47,300

Women

46.9%

53,484

Men

53.1%

The workforce of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX in 2023 was 100,784 people, with 46.9% woman, and 53.1% men.

The visualization shows the distribution of the workforce by gender and age in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX.

With the upper buttons you can see the distribution of the average salary and add a filter by race.

Occupations

101k

2023 Value

6.2%

1 Year growth

± 6.2%

From 2022 to 2023, employment in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX grew at a rate of 6.2%, from 94.9k employees to 101k employees.

The most common job groups, by number of people living in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX, are Other managers (3,644 people), Driver/sales workers & truck drivers (2,954 people), and Software developers (2,748 people). This chart illustrates the share breakdown of the primary jobs held by residents of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX.

Unemployment Insurance Claims

Data is only available at the state level. Showing data for Texas.

This chart shows weekly unemployment insurance claims in Texas (not-seasonally adjusted) compared with the four states with the most similar impact.

The most recent data point uses Advance State Claims data, which can be revised in subsequent weeks.

Industries

Employment by Industries

101k

2023 Value

6.2%

1 Year growth

± 6.2%

From 2022 to 2023, employment in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX grew at a rate of 6.2%, from 94.9k employees to 101k employees.

The most common employment sectors for those who live in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX, are Elementary & secondary schools (6,777 people), Computer Systems Design (6,182 people), and Construction (5,601 people). This chart shows the share breakdown of the primary industries for residents of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX, though some of these residents may live in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX and work somewhere else. Census data is tagged to a residential address, not a work address.

Median Earnings by Industry

$68,858

Median earning men ± $3,584

$51,236

Median earning women ± $2,237

The industries with the best median earnings for men in 2024 are Professional, Scientific, & Management, & Administrative & Waste Management Services ($89,695), Manufacturing ($85,335), and Wholesale Trade ($83,202).

The industries with the best median earnings for women in 2024 are Professional, Scientific, & Management, & Administrative & Waste Management Services ($66,195), Information ($65,611), and Manufacturing ($63,519).

Employment by Industry Sector

Data is only available at the state level. Showing data for Texas.

Y-Axis

4.59%

Year-over-year growth

Employment change between February 2022 and February 2023

As of February 2023, there are 13.8M people employed in Texas. This represents a 4.59% increase in employment when compared to February 2022.

Right after the beginning of the COVID-19 pandemic, during April 2020, a general dip can be seen across industry sectors, resulting in an overall decline in employment by 9.63%.

The following chart shows monthly employment numbers for each industry sector in Texas.

Civics

In the 2024 presidential election, the popular vote in Texas went to Donald J. Trump with 56.1% of the vote. The runner-up was Kamala Harris (42.5%), followed by Jill Stein (0.726%).

John Cornyn and Ted Cruz are the senators currently representing the state of Texas. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Texas is currently represented by 38 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Elections

Presidential Popular Vote Over Time

Voting results are not available for Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX. Showing the available data for Texas.

2024 Election Results

Donald J. Trump (56.1%)
Republican Party
Kamala Harris (42.5%)
Democratic Party
Jill Stein (0.726%)
Green Party

In the 2024 presidential election, the popular vote in Texas went to Donald J. Trump with 56.1% of the vote. The runner-up was Kamala Harris (42.5%), followed by Jill Stein (0.726%).

The following chart shows the popular vote results in Texas for each registered party from 1976 to 2024.

Senator Elections

US Senators from Texas

Senatorial voting results are only available at the state level. Showing data for Texas.

John Cornyn

Senator from Texas

Assumed office on December 2, 2002
Phil Gramm resigned (effective November 30, 2002) a few weeks before the expiration of his term in hopes that his successor, fellow Republican John Cornyn, could gain seniority over other newly elected senators. However, Cornyn did not gain additional seniority due to a 1980 Rules Committee policy.

Ted Cruz

Senator from Texas

Assumed office on January 3, 2013

John Cornyn and Ted Cruz are the senators currently representing Texas.

In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

The following chart shows elected senators in Texas over time, excluding special elections, colored by their political party.

Education

In 2018, universities in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX awarded 290 degrees. The student population of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX in 2017 is skewed towards women, with 75 male students and 436 female students.

Most students graduating from Universities in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX are Hispanic or Latino (147 and 50.7%), White (60 and 20.7%), Black or African American (35 and 12.1%), and Unknown (26 and 8.97%).

The largest universities in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX by number of degrees awarded are Virginia College-Austin (290 and 100%).

The most popular majors in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX are Medical Assistant (111 and 38.3%), Medical Insurance Coding Specialist (31 and 10.7%), and Diagnostic Medical Sonography & Ultrasound Technician (29 and 10%).

Admissions & Enrollments

Enrollments by Gender and Races

In 2017 there were 511 students enrolled in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX, 14.7% men and 85.3% women.

By race, the largest number of students enrolled was concentrated in Hispanic or Latino with 243 records, of which 86.4% were women and 13.6% men.

Completions

Concentrations

Most Common

Medical Assistant
111 degrees awarded
Medical Insurance Coding Specialist
28 degrees awarded
Pharmacy Technician
19 degrees awarded

In 2018, the most common concentation for 1 to 2 Year Postsecondary Certificate recipients in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was Medical Assistant with 111 degrees awarded.

This visualization illustrates the percentage of students graduating with a 1 to 2 Year Postsecondary Certificate from schools in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX according to their major.

Universities

Gender

Race

Virginia College-Austin

Largest Universities by degrees awarded

290 degrees awarded

In 2018, the institution with the largest number of graduating students was Virginia College-Austin with 290 degrees awarded.

Student Diversity

In 2018, 37 men were awarded degrees from institutions in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX, which is 0.146 times less than the 253 female students who received degrees in the same year.

In 2018, the most common race/ethnicity group awarded degrees at institutions was Hispanic or Latino students. These 147 degrees mean that there were 2.45 times more degrees awarded to Hispanic or Latino students then the next closest race/ethnicity group, White, with 60 degrees awarded.

Awarded Degrees over Time

The graph shows the evolution of awarded degrees by degrees. Under the paragraphs, the average number of awarded degrees by university in each degree is shown.

Tuition

Average Net Price by Sector

Private for-profit, 2-year ($14,382) is the sector with the highest median state tuition in 2016.

Private for-profit, 2-year ($250) is the sector with the highest median state fee in 2016.

Private for-profit, 2-year ($150) is the sector with the highest average net price of books and supplies.

The graph shows the average net price by sector and year.

Working Population

Educational Pyramid

Measure

In 2023, 2.16% of men over 25 years of age had not completed any academic degree (no schooling), while 1.96% of women were in the same situation.

This visualization shows the gender distribution of the population according to the academic level reached.

Educational Attainment

Race

The most common educational levels obtained by the working population of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX in 2023 were Bachelors Degree (38k), High School or Equivalent (32.1k), and Some college (30.9k).

This visualization illustrates the percentage distribution of the population according to the highest educational level reached. You can filter the data by race by using the selector above.

Housing & Living

The median property value in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was $390,000 in 2024, which is 1.17 times larger than the national average of $332,700. Between 2023 and 2024 the median property value increased from $352,900 to $390,000, a 10.5% increase. The homeownership rate in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX is 69.8%, which is higher than the national average of 65.2%.

People in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX have an average commute time of 29.2 minutes, and they drove alone to work. Car ownership in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property

$390,000

Median Property Value 2024

±$8,201

$52,293

Median Property Taxes

±$2,516

The following chart display owner-occupied housing units distributed between a series of property tax buckets compared to the national averages for each bucket. In Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX the largest share of households pay taxes in the $3k+ range.

The chart underneath the paragraph shows the property taxes in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX compared to it's parent and neighbor geographies.

Rent vs Own

69.8%

Homeownership

2024

67.1%

Homeowners with Mortgage

2024

In 2024, 69.8% of the housing units in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX were occupied by their owner. This percentage declined from the previous year's rate of 71.4%.

This chart shows the percentage of owner in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX compared it's parent and neighboring geographies.

Equity

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.

$107,144

Median Household Income

± $4,342

74.9k

Number of Households

± 3,299

In 2024, the median household income of the 74.9k households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX grew to $107,144 from the previous year's value of $103,606.

The following chart displays the households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $200k+ range.

Wage Distribution

0.399

2023 Wage GINI in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX

0.404

2022 Wage GINI in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX

In 2023, the income inequality in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was 0.399 according to the GINI calculation of the wage distribution. Income inequality had a 1.31% decline from 2022 to 2023, which means that wage distribution grew somewhat more even. The GINI for Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX was lower than than the national average of 0.476. In other words, wages are distributed more evenly in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX in comparison to the national average.

This chart shows the number of workers in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX across various wage buckets compared to the national average.

Transportation

Commuter Transportation

Most Common Commute in 2024

Drove Alone (63.7%)
Worked At Home (24.4%)
Carpooled (9.78%)

In 2024, 63.7% of workers in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX drove alone to work, followed by those who worked at home (24.4%) and those who carpooled to work (9.78%).

The following chart shows the number of households using each mode of transportation over time, using a logarithmic scale on the y-axis to help better show variations in the smaller means of commuting.

Commute Time

29.2 minutes

Average Travel Time

Using averages, employees in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX have a longer commute time (29.2 minutes) than the normal US worker (26.4 minutes). Additionally, 1.36% of the workforce in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX compares to that of it's neighboring and parent geographies.

Car Ownership

2 cars

Average Number

The following chart displays the households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX have 2 cars.

Poverty

Poverty & Diversity

8.27% of the population for whom poverty status is determined in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX (16.7k out of 202k people) live below the poverty line, a number that is lower than the national average of 12.5%. The largest demographic living in poverty are Females 25 - 34, followed by Females 35 - 44 and then Males 6 - 11.

The most common racial or ethnic group living below the poverty line in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX is Hispanic, followed by White and Other.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family's total income is less than the family's threshold than that family and every individual in it is considered to be living in poverty.

Social Needs

Data only available at the state level.

Most prevalent states

California
35,798 individuals
New York
5,087 individuals
Florida
4,915 individuals

In 2017, California had the highest estimated number of chronically homeless individuals in the nation, at 35,798. New York has the second highest (5,087), followed by Florida (4,915).

The following map shows the estimated number of chronically homeless individuals by state over multiple years.

Health

87.9% of the population of Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX has health coverage, with 59.6% on employee plans, 10.6% on Medicaid, 5.4% on Medicare, 11% on non-group plans, and 1.38% on military or VA plans.

Primary care physicians in Texas see 1,657 patients per year on average, which represents a 0% change from the previous year (1,657 patients). Compare this to dentists who see 1590 patients per year, and mental health providers who see 590 patients per year.

By gender, of the total number of insured persons, 49.2% were men and 50.8% were women.

Coverage

Patient to Clinician Ratios

Data is only available at the state level. Showing data for Texas.

1,657 to 1

Patient to Primary Care Physician Ratio in Texas

Primary care physicians in Texas see an average of 1,657 patients per year. This represents a 0% change from the previous year (1,657 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Texas in comparison to its neighboring geographies.

Health Care Diversity

In 2024, insured persons according to age ranges were distributed in 28.1% under 18 years, 21.5% between 18 and 34 years, 42.9% between 35 and 64 years, and 7.44% over 64 years.

By gender, of the total number of insured persons, 49.2% were men and 50.8% were women.

The following chart shows the number of people with health coverage by gender.

Uninsured People

12.1%

Uninsured

59.6%

Employer Coverage

10.6%

Medicaid

5.4%

Medicare

11%

Non-Group

1.38%

Military or VA

Between 2023 and 2024, the percent of uninsured citizens in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX declined by 4.96% from 12.7% to 12.1%.

The following chart shows how the percent of uninsured individuals in Travis County (Northeast)--Pflugerville, Manor Cities & Wells Branch PUMA, TX changed over time compared with the percent of individuals enrolled in various types of health insurance.