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 High-density area
- $41,656
- Median income Below-median income area
- $197,000
- Median home value Near-median home value
- 23.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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
- 43rd 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 average Texas ZIP), while per-capita income is $24,465. The poverty rate is 33.3%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $197,000 (20% below the average Texas ZIP), and median rent is $1,149; owner occupancy is 39.0%.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in McLennan County, so 76706 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 76706
Top 5 sectors by establishment count in Waco, TX
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 + 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
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 ZIP avg
$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
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
17,106housing units
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 ZIP avg
$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.
- 76706
Waco (76706)
35,015 residents
- 76710
Waco (76710)
22,686 residents
- 76707
Waco (76707)
16,697 residents
- 76643 13,554
Hewitt (76643)
13,554 residents
- 76711 9,042
Waco (76711)
9,042 residents
- 76704 8,007
Waco (76704)
8,007 residents
- 76655 7,831
Lorena (76655)
7,831 residents
- 76798 1,862
Waco (76798)
1,862 residents
- 76630 1,840
Bruceville (76630)
1,840 residents
What this shows Among its immediate neighbors, ZIP 76706 ranks the most populous - useful context the national average alone can't give.
ZIP 76706 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76655
Lorena (76655)
$99,917 median income
- 76630
Bruceville (76630)
$83,950 median income
- 76643
Hewitt (76643)
$83,511 median income
- 76710
Waco (76710)
$58,186 median income
- 76711
Waco (76711)
$53,185 median income
- 76706
Waco (76706)
$41,656 median income
- 76707
Waco (76707)
$40,443 median income
- 76704 $30,349
Waco (76704)
$30,349 median income
- 76701 $30,313
Waco (76701)
$30,313 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76706, 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 (35,015 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 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.
Related
Take this with you
What to do with ZIP 76706's numbers, next.
- See how ZIP 76706 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
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.