Waco, TX · standard
ZIP Code 76705
McLennan County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 29,155
- 99/sq mi Moderate-density area
- $58,236
- Median income Below-median income area
- $190,600
- Median home value Near-median home value
- 16.8%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Waco pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 26th pct
- household income, US ZIPs
- 41st pct
- home value, US ZIPs
- 99
- people per sq mi
- 63%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76705 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 76705 (Waco, TX) fell -1.9% from 2023 to 2024. The all-transactions index moved from 334.1 in 2023 to 328.0 in 2024 (2000 = 100).
ZIP code 76705 is a densely settled ZIP (a standard USPS delivery area) in Waco, McLennan County, Texas, with 29,155 residents across 296.0 square miles, a density of 99 people per square mile, in the Chicago time zone.
ZIP 76705 reports a modest median household income of $58,236 (23% below the average Texas ZIP), while per-capita income is $30,390. The poverty rate is 19.3%, with unemployment at 4.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $190,600 (23% below the average Texas ZIP), and median rent is $1,000; owner occupancy is 62.8%.
Educational attainment sits below the national norm: 16.8% of adults hold a bachelor's degree or higher, the median age is 35.1, and the average commute is 24 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in McLennan County, so 76705 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 76705
Top 5 sectors by establishment count in Waco, TX
Which industries have the most business establishments in ZIP 76705.
- Retail trade
Retail trade
91 establishments
- Accommodation and food services
Accommodation and food services
69 establishments
- Construction
Construction
62 establishments
- Other services (except public administration)
Other services (except public administration)
51 establishments
- Manufacturing
Manufacturing
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 76705, 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
29,155
Population
296.0
Area (sq mi)
99
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 76705?
35.1
Median Age
51.6%
Male
48.4%
Female
12.8%
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?
$58,236
Median Household Income
-23% vs state ZIP avg
$30,390
Per Capita Income
19.3%
Poverty Rate
4.4%
Unemployment Rate
24.4 min
Mean Commute Time
How ZIP 76705 ranks among Texas ZIPs
Waco, 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)
$58,236 28th percentile higher than 28% 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
11,928housing units
11,928
Total Housing Units
10,625
Occupied Units
1,303
Vacant Units
2.78
Avg Household Size
Occupancy Type
$190,600
Median Home Value
-23% vs state ZIP avg
$1,000
Median Rent
1984
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
-1.9%
YoY Change (2024)
328
HPI Index (2000 = 100)
+228%
Total Change Since 2000
Home values in ZIP 76705 have decreased 1.9% over the past year (2024). Since 2000, this ZIP has seen +228% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.6% | 222 |
| 2021 | +12.7% | 250 |
| 2022 | +20.1% | 300 |
| 2023 | +11.2% | 334 |
| 2024 | -1.9% | 328 |
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 498 business establishments in ZIP 76705, employing approximately 9,781 people with a combined annual payroll of $417,214,000.
498
Businesses
9,781
Employees
$417.2M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 91 | 18.3% |
| Accommodation and food services | 69 | 13.9% |
| Construction | 62 | 12.4% |
| Other services (except public administration) | 51 | 10.2% |
| Manufacturing | 44 | 8.8% |
| Health care and social assistance | 34 | 6.8% |
| Administrative and support and waste management and remediation services | 29 | 5.8% |
| Transportation and warehousing | 21 | 4.2% |
| Finance and insurance | 21 | 4.2% |
| Professional, scientific, and technical services | 21 | 4.2% |
| Real estate and rental and leasing | 19 | 3.8% |
| Wholesale trade | 16 | 3.2% |
| Information | 7 | 1.4% |
| Educational services | 6 | 1.2% |
| Arts, entertainment, and recreation | 4 | 0.8% |
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 76705 vs 76704 →
ZIP 76705 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76705
Waco (76705)
29,155 residents
- 76708
Waco (76708)
24,476 residents
- 76710
Waco (76710)
22,686 residents
- 76707
Waco (76707)
16,697 residents
- 76711 9,042
Waco (76711)
9,042 residents
- 76704 8,007
Waco (76704)
8,007 residents
- 76640 3,005
Elm Mott (76640)
3,005 residents
- 76624 2,231
Axtell (76624)
2,231 residents
- 76798 1,862
Waco (76798)
1,862 residents
What this shows Among its immediate neighbors, ZIP 76705 ranks the most populous - useful context the national average alone can't give.
ZIP 76705 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76624
Axtell (76624)
$79,625 median income
- 76654
Leroy (76654)
$69,583 median income
- 76708
Waco (76708)
$68,856 median income
- 76640
Elm Mott (76640)
$66,641 median income
- 76705
Waco (76705)
$58,236 median income
- 76710
Waco (76710)
$58,186 median income
- 76711
Waco (76711)
$53,185 median income
- 76707
Waco (76707)
$40,443 median income
- 76704 $30,349
Waco (76704)
$30,349 median income
What this shows By household income, ZIP 76705 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 76704 | Waco, TX | 8,007 | 3.9 mi |
| 76640 | Elm Mott, TX | 3,005 | 4.6 mi |
| 76798 | Waco, TX | 1,862 | 5.6 mi |
| 76708 | Waco, TX | 24,476 | 6.8 mi |
| 76701 | Waco, TX | 1,826 | 5.7 mi |
| 76707 | Waco, TX | 16,697 | 6.2 mi |
| 76624 | Axtell, TX | 2,231 | 8.3 mi |
| 76711 | Waco, TX | 9,042 | 8.5 mi |
| 76654 | Leroy, TX | 151 | 8.6 mi |
| 76710 | Waco, TX | 22,686 | 8.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76705, 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 (29,155 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in McLennan County
Related Areas
Frequently Asked Questions
What county is ZIP code 76705 in?
ZIP code 76705 (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 76705?
ZIP code 76705 in Waco, TX has a population of 29,155 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76705?
The median household income in ZIP 76705 is $58,236, which is 24% below the national average of $76,288.
What is the average home value in ZIP 76705?
The median home value in ZIP 76705 is $190,600, which is 31% below the national average of $278,155.
What is the demographic makeup of ZIP 76705?
The largest racial group in ZIP 76705 is White at 44.4%. Hispanic or Latino residents make up 33.3% of the population.
How many businesses are in ZIP code 76705?
ZIP code 76705 has 498 business establishments employing approximately 9,781 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76705?
The top industries by establishment count in ZIP 76705 are: Retail trade (91), Accommodation and food services (69), Construction (62). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 76705?
According to the FHFA House Price Index, home values in ZIP 76705 decreased by 1.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 228%. 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 76705?
In ZIP code 76705, 46.3% of residents aged 25+ have a high school diploma or higher, and 16.8% 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 76705?
The mean commute time for workers in ZIP code 76705 is 24.4 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 76705?
In ZIP code 76705, approximately 62.8% of occupied housing units are owner-occupied and 37.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76705?
The poverty rate in ZIP code 76705 is 19.3% 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 76705's numbers, next.
- See how ZIP 76705 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waco, TX ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.