PlainZIP

Waco, TX · standard

ZIP Code 76706

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

35,015
191/sq mi
$41,656
Median income
$197,000
Median home value
23.1%
Bachelor's or higher

The verdict

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

7th pct
household income, US ZIPs
43th pct
home value, US ZIPs
191
people per sq mi
39%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76706 against every reporting US ZIP.

ZIP code 76706 is a densely settled ZIP (a standard USPS delivery area) in Waco, McLennan County, Texas, with 35,015 residents across 183.6 square miles, a density of 191 people per square mile, in the Chicago time zone.

ZIP 76706 reports a modest median household income of $41,656 (45% below the Texas average), while per-capita income is $24,465. 33.3% of residents live below the poverty line, and the unemployment rate reads 4.9%. Housing costs here run $197,000 for a typical home value (20% below the state average), with rent averaging $1,149 a month; 39.0% of homes are owner-occupied.

Educational attainment sits below the national norm: 23.1% of adults hold a bachelor's degree or higher, the median age is 24.2, and the average commute is 18 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing McLennan County, so you can benchmark 76706 against its immediate geography rather than a 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 76706

Top 5 sectors by establishment count in Waco, TX

Which industries have the most business establishments in ZIP 76706.

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 76706, 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

35,015

Population

183.6

Area (sq mi)

191

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 76706?

24.2

Median Age

50.0%

Male

50.0%

Female

8.5%

Foreign-Born

White 55.1%
African American 18.1%
Asian 2.4%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 19.6%
Hispanic or Latino 29.9%

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?

$41,656

Median Household Income

-45% vs state

$24,465

Per Capita Income

33.3%

Poverty Rate

4.9%

Unemployment Rate

17.9 min

Mean Commute Time

How ZIP 76706 ranks nationally

Waco, TX household income vs. every US ZIP code

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

$41,656 7th percentile higher than 7% 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 57.2%
Bachelor's Degree or Higher 23.1%

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

What does housing look like?

17,106

Total Housing Units

14,907

Occupied Units

2,199

Vacant Units

2.68

Avg Household Size

Occupancy Type

Owner 39.0%
Renter 61.0%

$197,000

Median Home Value

-20% vs state

$1,149

Median Rent

1989

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

+0.6%

YoY Change (2024)

335

HPI Index (2000 = 100)

+235%

Total Change Since 2000

Home values in ZIP 76706 have increased 0.6% over the past year (2024). Since 2000, this ZIP has seen +235% cumulative appreciation.

Year Annual Change HPI Index
2020 +7.2% 226
2021 +11.8% 253
2022 +20.4% 304
2023 +9.5% 333
2024 +0.6% 335

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 588 business establishments in ZIP 76706, employing approximately 16,274 people with a combined annual payroll of $711,612,000.

588

Businesses

16,274

Employees

$711.6M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 112 19.1%
Retail trade 93 15.8%
Other services (except public administration) 82 13.9%
Construction 60 10.2%
Real estate and rental and leasing 39 6.6%
Wholesale trade 33 5.6%
Professional, scientific, and technical services 31 5.3%
Health care and social assistance 30 5.1%
Transportation and warehousing 22 3.7%
Manufacturing 21 3.6%
Administrative and support and waste management and remediation services 20 3.4%
Finance and insurance 16 2.7%
Educational services 10 1.7%
Information 8 1.4%
Arts, entertainment, and recreation 8 1.4%

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 76706 vs 76798 →

ZIP 76706 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 76706 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 76706 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 76706 ranks #6 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 5.9 mi
76711 Waco, TX 9,042 4.9 mi
76643 Hewitt, TX 13,554 6.1 mi
76701 Waco, TX 1,826 6.5 mi
76704 Waco, TX 8,007 7.9 mi
76707 Waco, TX 16,697 7.2 mi
76655 Lorena, TX 7,831 7.0 mi
76710 Waco, TX 22,686 7.9 mi
76685 Satin, TX 108 9.1 mi
76630 Bruceville, TX 1,840 11.6 mi

More ZIP Codes in McLennan County

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
76643 standard
Hewitt, TX
Pop: 13,554

Related Areas

McLennan County Waco, TX Texas

Frequently Asked Questions

What county is ZIP code 76706 in? ▼
ZIP code 76706 (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 76706? ▼
ZIP code 76706 in Waco, TX has a population of 35,015 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76706? ▼
The median household income in ZIP 76706 is $41,656, which is 45% below the national average of $76,288.
What is the average home value in ZIP 76706? ▼
The median home value in ZIP 76706 is $197,000, which is 29% below the national average of $278,155.
What is the demographic makeup of ZIP 76706? ▼
The largest racial group in ZIP 76706 is White at 55.1%. Hispanic or Latino residents make up 29.9% of the population.
How many businesses are in ZIP code 76706? ▼
ZIP code 76706 has 588 business establishments employing approximately 16,274 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76706? ▼
The top industries by establishment count in ZIP 76706 are: Accommodation and food services (112), Retail trade (93), Other services (except public administration) (82). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 76706? ▼
According to the FHFA House Price Index, home values in ZIP 76706 increased by 0.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 235%. 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 76706? ▼
In ZIP code 76706, 57.2% of residents aged 25+ have a high school diploma or higher, and 23.1% 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 76706? ▼
The mean commute time for workers in ZIP code 76706 is 17.9 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 76706? ▼
In ZIP code 76706, approximately 39.0% of occupied housing units are owner-occupied and 61.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76706? ▼
The poverty rate in ZIP code 76706 is 33.3% 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.