ZIP Code 76706
standardSource:
Waco · McLennan County · Texas
- Population
- 35,015
- Median income
- $41,656
- Median home value
- $197,000
- Bachelor's or higher
- 23.1%
- Land area
- 183.6 sq mi
191/sq mi
▼ 45% vs US
higher than 7% of US ZIPs
▼ 29% vs US
higher than 43% of US ZIPs
Median age 24.2
Chicago
ZIP code 76706 in Waco, Texas has a population of 35,015. The median household income is $41,656, which is 45% below the national average. Median home value is $197,000, 29% below the US average. 23.1% of residents hold a bachelor's degree or higher.
ZIP code 76706 is classified by USPS as a standard delivery area and covers roughly 183.6 square miles in Waco, McLennan County, Texas. The area is home to 35,015 residents, producing a population density of 191 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 76706 against Texas and the nation.
On the economic side, the median household income for ZIP 76706 sits at $41,656 (45% below the Texas average), while per-capita income is $24,465. The poverty rate stands at 33.3% and the unemployment rate at 4.9%. On housing, the median home value is $197,000 (20% below the state average) with median rent at $1,149 per month, and 39.0% of occupied units are owner-occupied, a direct signal of whether 76706 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 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 is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 76706
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 76706.
- Accommodation and food services
Accommodation and food services
112 establishments
- Retail trade
Retail trade
93 establishments
- Other services (except public administration)
Other services (except public administration)
82 establishments
- Construction
Construction
60 establishments
- Real estate and rental and leasing 39
Real estate and rental and leasing
39 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 76706?
24.2
Median Age
50.0%
Male
50.0%
Female
8.5%
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?
$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
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?
17,106
Total Housing Units
14,907
Occupied Units
2,199
Vacant Units
2.68
Avg Household Size
Occupancy Type
$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 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
Related Areas
Frequently Asked Questions
What county is ZIP code 76706 in? ▼
What is the population of ZIP code 76706? ▼
What is the median household income in ZIP 76706? ▼
What is the average home value in ZIP 76706? ▼
What is the demographic makeup of ZIP 76706? ▼
How many businesses are in ZIP code 76706? ▼
What are the main industries in ZIP code 76706? ▼
How have home values changed in ZIP code 76706? ▼
What is the education level in ZIP code 76706? ▼
What is the average commute time in ZIP 76706? ▼
What percentage of residents own vs. rent in ZIP 76706? ▼
What is the poverty rate in ZIP code 76706? ▼
ZIP Code Research Guides
Official Data Resources for Waco, TX
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.