Waco, TX · standard
ZIP Code 76707
McLennan County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 16,697
- 1,976/sq mi High-density area
- $40,443
- Median income Below-median income area
- $126,200
- Median home value Below-median home value
- 15.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Waco pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, mixed-tenure area.
- 6th pct
- household income, US ZIPs
- 19th pct
- home value, US ZIPs
- 1,976
- people per sq mi
- 59%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76707 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 76707 (Waco, TX) rose +1.2% from 2023 to 2024. The all-transactions index moved from 422.2 in 2023 to 427.2 in 2024 (2000 = 100).
ZIP code 76707 is a mid-sized community (a standard USPS delivery area) in Waco, McLennan County, Texas, home to 16,697 residents across 8.5 square miles, a density of 1,976 people per square mile, in the Chicago time zone.
ZIP 76707 reports a modest median household income of $40,443 (46% below the average Texas ZIP), while per-capita income is $20,060. The poverty rate is 30.8%, 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 $126,200 (49% below the average Texas ZIP), and median rent is $1,119; owner occupancy is 58.9%.
Educational attainment sits below the national norm: 15.4% of adults hold a bachelor's degree or higher, the median age is 30.5, and the average commute is 17 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in McLennan County, so 76707 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 76707
Top 5 sectors by establishment count in Waco, TX
Which industries have the most business establishments in ZIP 76707.
- Health care and social assistance
Health care and social assistance
27 establishments
- Other services (except public administration)
Other services (except public administration)
24 establishments
- Retail trade
Retail trade
23 establishments
- Construction
Construction
13 establishments
- Finance and insurance
Finance and insurance
13 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 76707, 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
16,697
Population
8.5
Area (sq mi)
1,976
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 76707?
30.5
Median Age
47.8%
Male
52.2%
Female
17.3%
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?
$40,443
Median Household Income
-46% vs state ZIP avg
$20,060
Per Capita Income
30.8%
Poverty Rate
7.4%
Unemployment Rate
17.2 min
Mean Commute Time
How ZIP 76707 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)
$40,443 5th percentile higher than 5% 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
6,584housing units
6,584
Total Housing Units
5,365
Occupied Units
1,219
Vacant Units
2.93
Avg Household Size
Occupancy Type
$126,200
Median Home Value
-49% vs state ZIP avg
$1,119
Median Rent
1956
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
+1.2%
YoY Change (2024)
427
HPI Index (2000 = 100)
+327%
Total Change Since 2000
Home values in ZIP 76707 have increased 1.2% over the past year (2024). Since 2000, this ZIP has seen +327% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.9% | 289 |
| 2021 | +16.2% | 336 |
| 2022 | +23.9% | 416 |
| 2023 | +1.4% | 422 |
| 2024 | +1.2% | 427 |
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 139 business establishments in ZIP 76707, employing approximately 2,683 people with a combined annual payroll of $178,273,000.
139
Businesses
2,683
Employees
$178.3M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 27 | 19.4% |
| Other services (except public administration) | 24 | 17.3% |
| Retail trade | 23 | 16.6% |
| Construction | 13 | 9.3% |
| Finance and insurance | 13 | 9.3% |
| Real estate and rental and leasing | 11 | 7.9% |
| Accommodation and food services | 9 | 6.5% |
| Manufacturing | 4 | 2.9% |
| Professional, scientific, and technical services | 3 | 2.2% |
| Administrative and support and waste management and remediation services | 3 | 2.2% |
| Educational services | 3 | 2.2% |
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 76707 vs 76701 →
ZIP 76707 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
- 76705
Waco (76705)
29,155 residents
- 76708
Waco (76708)
24,476 residents
- 76712
Woodway (76712)
23,506 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
What this shows Among its immediate neighbors, ZIP 76707 ranks #6 by population - useful context the national average alone can't give.
ZIP 76707 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76712
Woodway (76712)
$97,903 median income
- 76643
Hewitt (76643)
$83,511 median income
- 76708
Waco (76708)
$68,856 median income
- 76705
Waco (76705)
$58,236 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
What this shows By household income, ZIP 76707 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 76701 | Waco, TX | 1,826 | 1.2 mi |
| 76711 | Waco, TX | 9,042 | 2.7 mi |
| 76798 | Waco, TX | 1,862 | 2.3 mi |
| 76710 | Waco, TX | 22,686 | 2.4 mi |
| 76704 | Waco, TX | 8,007 | 2.4 mi |
| 76708 | Waco, TX | 24,476 | 5.9 mi |
| 76712 | Woodway, TX | 23,506 | 6.1 mi |
| 76705 | Waco, TX | 29,155 | 6.2 mi |
| 76643 | Hewitt, TX | 13,554 | 7.2 mi |
| 76706 | Waco, TX | 35,015 | 7.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76707, 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 (16,697 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 76707 in?
ZIP code 76707 (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 76707?
ZIP code 76707 in Waco, TX has a population of 16,697 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76707?
The median household income in ZIP 76707 is $40,443, which is 47% below the national average of $76,288.
What is the average home value in ZIP 76707?
The median home value in ZIP 76707 is $126,200, which is 55% below the national average of $278,155.
What is the demographic makeup of ZIP 76707?
The largest racial group in ZIP 76707 is Two or More Ethnicities at 37.3%. Hispanic or Latino residents make up 48.4% of the population.
How many businesses are in ZIP code 76707?
ZIP code 76707 has 139 business establishments employing approximately 2,683 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76707?
The top industries by establishment count in ZIP 76707 are: Health care and social assistance (27), Other services (except public administration) (24), Retail trade (23). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 76707?
According to the FHFA House Price Index, home values in ZIP 76707 increased by 1.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 327%. 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 76707?
In ZIP code 76707, 51.8% of residents aged 25+ have a high school diploma or higher, and 15.4% 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 76707?
The mean commute time for workers in ZIP code 76707 is 17.2 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 76707?
In ZIP code 76707, approximately 58.9% of occupied housing units are owner-occupied and 41.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76707?
The poverty rate in ZIP code 76707 is 30.8% 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 76707's numbers, next.
- See how ZIP 76707 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.