PlainZIP

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
$58,236
Median income
$190,600
Median home value
16.8%
Bachelor's or higher

The verdict

Waco pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

26th pct
household income, US ZIPs
41th 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.

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 Texas average), while per-capita income is $30,390. Poverty here runs at 19.3%, with unemployment measured at 4.4%. Median home value sits at $190,600 (23% below the state average), median rent at $1,000 a month, and owner-occupancy at 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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing McLennan County, letting you compare 76705 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 76705

Top 5 sectors by establishment count in Waco, TX

Which industries have the most business establishments in ZIP 76705.

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 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

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 76705?

35.1

Median Age

51.6%

Male

48.4%

Female

12.8%

Foreign-Born

White 44.4%
African American 20.3%
Asian 1.3%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.3%
Two or More Ethnicities 28.2%
Hispanic or Latino 33.3%

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

$30,390

Per Capita Income

19.3%

Poverty Rate

4.4%

Unemployment Rate

24.4 min

Mean Commute Time

How ZIP 76705 ranks nationally

Waco, TX household income vs. every US ZIP code

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

$58,236 26th percentile higher than 26% 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 46.3%
Bachelor's Degree or Higher 16.8%

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

What does housing look like?

11,928

Total Housing Units

10,625

Occupied Units

1,303

Vacant Units

2.78

Avg Household Size

Occupancy Type

Owner 62.8%
Renter 37.2%

$190,600

Median Home Value

-23% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 76705 ranks the most populous - useful context the national average alone can't give.

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

ZIP 76705 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 76705 ranks #5 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
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

More ZIP Codes in McLennan County

76706 standard
Waco, TX
Pop: 35,015
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
76643 standard
Hewitt, TX
Pop: 13,554

Related Areas

McLennan County Waco, TX Texas

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.

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