PlainZIP

Temple, TX · standard

ZIP Code 76504

Bell County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

24,268
347/sq mi
$52,803
Median income
$174,100
Median home value
19.6%
Bachelor's or higher

The verdict

Temple pairs one of the lowest household incomes in the country with below-median home values, in a low-density, renter-heavy area.

18th pct
household income, US ZIPs
36th pct
home value, US ZIPs
347
people per sq mi
31%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76504 against every reporting US ZIP.

ZIP code 76504 is a densely settled ZIP (a standard USPS delivery area) in Temple, Bell County, Texas, with 24,268 residents across 70.0 square miles, a density of 347 people per square mile, in the Chicago time zone.

ZIP 76504 reports a modest median household income of $52,803 (30% below the Texas average), while per-capita income is $29,020. 16.1% of residents live below the poverty line, and the unemployment rate reads 7.6%. Median home value sits at $174,100 (30% below the state average), median rent at $1,167 a month, and owner-occupancy at 31.4%.

Educational attainment sits below the national norm: 19.6% of adults hold a bachelor's degree or higher, the median age is 32, and the average commute is 20 minutes. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 76504, plus 6 more within Bell County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 76504

Top 5 sectors by establishment count in Temple, TX

Which industries have the most business establishments in ZIP 76504.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 76504, Temple, TX · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

24,268

Population

70.0

Area (sq mi)

347

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 76504?

32.0

Median Age

50.1%

Male

49.9%

Female

7.6%

Foreign-Born

White 55.7%
African American 14.7%
Asian 1.5%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 16.7%
Hispanic or Latino 27.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$52,803

Median Household Income

-30% vs state

$29,020

Per Capita Income

16.1%

Poverty Rate

7.6%

Unemployment Rate

19.6 min

Mean Commute Time

How ZIP 76504 ranks nationally

Temple, TX household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$52,803 18th percentile higher than 18% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 51.6%
Bachelor's Degree or Higher 19.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,531

Total Housing Units

10,759

Occupied Units

772

Vacant Units

2.35

Avg Household Size

Occupancy Type

Owner 31.4%
Renter 68.6%

$174,100

Median Home Value

-30% vs state

$1,167

Median Rent

1982

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+2.5%

YoY Change (2024)

283

HPI Index (2000 = 100)

+183%

Total Change Since 2000

Home values in ZIP 76504 have increased 2.5% over the past year (2024). Since 2000, this ZIP has seen +183% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.0% 180
2021 +23.2% 222
2022 +22.7% 273
2023 +1.3% 276
2024 +2.5% 283

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 681 business establishments in ZIP 76504, employing approximately 19,156 people with a combined annual payroll of $1,172,936,000.

681

Businesses

19,156

Employees

$1.2B

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Retail trade 105 15.4%
Accommodation and food services 89 13.1%
Other services (except public administration) 80 11.8%
Health care and social assistance 79 11.6%
Finance and insurance 44 6.5%
Construction 43 6.3%
Manufacturing 40 5.9%
Administrative and support and waste management and remediation services 36 5.3%
Professional, scientific, and technical services 33 4.8%
Transportation and warehousing 30 4.4%
Real estate and rental and leasing 30 4.4%
Wholesale trade 28 4.1%
Information 13 1.9%
Arts, entertainment, and recreation 10 1.5%
Educational services 9 1.3%
Management of companies and enterprises 7 1.0%
Utilities 3 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 76504 vs 76508 →

ZIP 76504 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 76504 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 76504 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 76504 ranks #5 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
76508 Temple, TX 0 4.2 mi
76502 Temple, TX 31,545 3.7 mi
76579 Troy, TX 4,258 7.6 mi
76501 Temple, TX 16,897 8.2 mi
76513 Belton, TX 34,172 9.6 mi

More ZIP Codes in Bell County

76549 standard
Killeen, TX
Pop: 44,490
76542 standard
Killeen, TX
Pop: 40,025
76513 standard
Belton, TX
Pop: 34,172
76502 standard
Temple, TX
Pop: 31,545
76543 standard
Killeen, TX
Pop: 30,430
76544 standard
Fort Hood, TX
Pop: 29,943

Related Areas

Bell County Temple, TX Texas

Frequently Asked Questions

What county is ZIP code 76504 in? ▼
ZIP code 76504 (Temple) is located in Bell County, Texas. Bell County contains multiple ZIP codes, see the full list at /counties/bell-tx.
What is the population of ZIP code 76504? ▼
ZIP code 76504 in Temple, TX has a population of 24,268 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76504? ▼
The median household income in ZIP 76504 is $52,803, which is 31% below the national average of $76,288.
What is the average home value in ZIP 76504? ▼
The median home value in ZIP 76504 is $174,100, which is 37% below the national average of $278,155.
What is the demographic makeup of ZIP 76504? ▼
The largest racial group in ZIP 76504 is White at 55.7%. Hispanic or Latino residents make up 27.8% of the population.
How many businesses are in ZIP code 76504? ▼
ZIP code 76504 has 681 business establishments employing approximately 19,156 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76504? ▼
The top industries by establishment count in ZIP 76504 are: Retail trade (105), Accommodation and food services (89), Other services (except public administration) (80). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 76504? ▼
According to the FHFA House Price Index, home values in ZIP 76504 increased by 2.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 183%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 76504? ▼
In ZIP code 76504, 51.6% of residents aged 25+ have a high school diploma or higher, and 19.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 76504? ▼
The mean commute time for workers in ZIP code 76504 is 19.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 76504? ▼
In ZIP code 76504, approximately 31.4% of occupied housing units are owner-occupied and 68.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76504? ▼
The poverty rate in ZIP code 76504 is 16.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.