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 High-density area
- $52,803
- Median income Below-median income area
- $174,100
- Median home value Near-median home value
- 19.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 76504 (Temple, TX) rose +2.5% from 2023 to 2024. The all-transactions index moved from 276.4 in 2023 to 283.4 in 2024 (2000 = 100).
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 average Texas ZIP), while per-capita income is $29,020. The poverty rate is 16.1%, with unemployment at 7.6%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $174,100 (30% below the average Texas ZIP), and median rent is $1,167; owner occupancy is 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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Bell County, so 76504 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
105 establishments
- Accommodation and food services
Accommodation and food services
89 establishments
- Other services (except public administration)
Other services (except public administration)
80 establishments
- Health care and social assistance
Health care and social assistance
79 establishments
- Finance and insurance
Finance and insurance
44 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, 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
Who lives in ZIP 76504?
32.0
Median Age
50.1%
Male
49.9%
Female
7.6%
Foreign-Born
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 ZIP avg
$29,020
Per Capita Income
16.1%
Poverty Rate
7.6%
Unemployment Rate
19.6 min
Mean Commute Time
How ZIP 76504 ranks among Texas ZIPs
Temple, TX household income vs. every Texas ZIP code
Median household income among 1,737 reporting Texas ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$52,803 19th percentile higher than 19% of 1,737 Texas ZIPs
Each bar is a $20K-wide band; taller bars hold more Texas 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
11,531housing units
11,531
Total Housing Units
10,759
Occupied Units
772
Vacant Units
2.35
Avg Household Size
Occupancy Type
$174,100
Median Home Value
-30% vs state ZIP avg
$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.
- 76513
Belton (76513)
34,172 residents
- 76502
Temple (76502)
31,545 residents
- 76504
Temple (76504)
24,268 residents
- 76501
Temple (76501)
16,897 residents
- 76579 4,258
Troy (76579)
4,258 residents
What this shows Among its immediate neighbors, ZIP 76504 ranks #3 by population - useful context the national average alone can't give.
ZIP 76504 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76579
Troy (76579)
$85,480 median income
- 76502
Temple (76502)
$82,088 median income
- 76513
Belton (76513)
$80,661 median income
- 76501
Temple (76501)
$62,532 median income
- 76504
Temple (76504)
$52,803 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76504, both outside TX so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (24,268 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bell County
Related Areas
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.
Related
Take this with you
What to do with ZIP 76504's numbers, next.
- See how ZIP 76504 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Temple, TX ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.