PlainZIP

Waco, TX · standard

ZIP Code 76704

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

8,007
598/sq mi
$30,349
Median income
$134,900
Median home value
9.7%
Bachelor's or higher

The verdict

Waco pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, renter-heavy area.

2th pct
household income, US ZIPs
21th pct
home value, US ZIPs
598
people per sq mi
32%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76704 against every reporting US ZIP.

ZIP code 76704 is a mid-sized community (a standard USPS delivery area) in Waco, McLennan County, Texas, home to 8,007 residents across 13.4 square miles, a density of 598 people per square mile, in the Chicago time zone.

ZIP 76704 sits on the lower end of the income spectrum: median household income is $30,349 (60% below the Texas average), while per-capita income is $17,540. The poverty rate stands at 41.9% and the unemployment rate at 6.6%. Housing costs here run $134,900 for a typical home value (46% below the state average), with rent averaging $866 a month; 31.6% of homes are owner-occupied.

Formal educational attainment runs low here: just 9.7% of adults hold a bachelor's degree or higher, the median age is 27, and the average commute is -. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing McLennan County, letting you compare 76704 to its immediate surroundings rather than a national baseline 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 76704

Top 5 sectors by establishment count in Waco, TX

Which industries have the most business establishments in ZIP 76704.

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 76704, Waco, 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

8,007

Population

13.4

Area (sq mi)

598

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 76704?

27.0

Median Age

40.8%

Male

59.2%

Female

5.0%

Foreign-Born

White 18.9%
African American 63.2%
Asian 0.0%
American Indian or Alaska Native 0.8%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 13.1%
Hispanic or Latino 21.6%

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?

$30,349

Median Household Income

-60% vs state

$17,540

Per Capita Income

41.9%

Poverty Rate

6.6%

Unemployment Rate

How ZIP 76704 ranks nationally

Waco, TX household income vs. every US ZIP code

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

$30,349 2nd percentile higher than 2% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $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 43.9%
Bachelor's Degree or Higher 9.7%

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

What does housing look like?

3,763

Total Housing Units

2,992

Occupied Units

771

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 31.6%
Renter 68.4%

$134,900

Median Home Value

-46% vs state

$866

Median Rent

1972

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 94 business establishments in ZIP 76704, employing approximately 1,435 people with a combined annual payroll of $56,404,000.

94

Businesses

1,435

Employees

$56.4M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 19 20.2%
Accommodation and food services 15 16.0%
Retail trade 12 12.8%
Health care and social assistance 11 11.7%
Manufacturing 7 7.5%
Wholesale trade 7 7.5%
Real estate and rental and leasing 5 5.3%
Transportation and warehousing 4 4.3%
Information 4 4.3%
Finance and insurance 3 3.2%
Professional, scientific, and technical services 3 3.2%
Arts, entertainment, and recreation 3 3.2%

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 76704 vs 76798 →

ZIP 76704 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 76704 ranks #8 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 76704 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 76704 ranks #9 of 9 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
76798 Waco, TX 1,862 2.0 mi
76701 Waco, TX 1,826 1.8 mi
76707 Waco, TX 16,697 2.4 mi
76705 Waco, TX 29,155 3.9 mi
76711 Waco, TX 9,042 4.6 mi
76710 Waco, TX 22,686 4.8 mi
76708 Waco, TX 24,476 6.1 mi
76706 Waco, TX 35,015 7.9 mi
76640 Elm Mott, TX 3,005 8.5 mi
76712 Woodway, TX 23,506 8.4 mi

More ZIP Codes in McLennan County

76706 standard
Waco, TX
Pop: 35,015
76705 standard
Waco, TX
Pop: 29,155
76708 standard
Waco, TX
Pop: 24,476
76712 standard
Woodway, TX
Pop: 23,506
76710 standard
Waco, TX
Pop: 22,686
76707 standard
Waco, TX
Pop: 16,697

Related Areas

McLennan County Waco, TX Texas

Frequently Asked Questions

What county is ZIP code 76704 in? ▼
ZIP code 76704 (Waco) is located in McLennan County, Texas. McLennan County contains multiple ZIP codes, see the full list at /counties/mclennan-tx.
What is the population of ZIP code 76704? ▼
ZIP code 76704 in Waco, TX has a population of 8,007 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76704? ▼
The median household income in ZIP 76704 is $30,349, which is 60% below the national average of $76,288.
What is the average home value in ZIP 76704? ▼
The median home value in ZIP 76704 is $134,900, which is 52% below the national average of $278,155.
What is the demographic makeup of ZIP 76704? ▼
The largest racial group in ZIP 76704 is African American at 63.2%. Hispanic or Latino residents make up 21.6% of the population.
How many businesses are in ZIP code 76704? ▼
ZIP code 76704 has 94 business establishments employing approximately 1,435 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76704? ▼
The top industries by establishment count in ZIP 76704 are: Other services (except public administration) (19), Accommodation and food services (15), Retail trade (12). There are 12 industry sectors represented in total.
What is the education level in ZIP code 76704? ▼
In ZIP code 76704, 43.9% of residents aged 25+ have a high school diploma or higher, and 9.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 76704? ▼
In ZIP code 76704, approximately 31.6% of occupied housing units are owner-occupied and 68.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76704? ▼
The poverty rate in ZIP code 76704 is 41.9% 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.