PlainZIP

Waco, TX · standard

ZIP Code 76708

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

24,476
203/sq mi
$68,856
Median income
$219,900
Median home value
22.7%
Bachelor's or higher

The verdict

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

45th pct
household income, US ZIPs
49th pct
home value, US ZIPs
203
people per sq mi
70%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76708 against every reporting US ZIP.

ZIP code 76708 is a densely settled ZIP (a standard USPS delivery area) in Waco, McLennan County, Texas, with 24,476 residents across 120.5 square miles, a density of 203 people per square mile, in the Chicago time zone.

ZIP 76708 reports a modest median household income of $68,856 (9% below the Texas average), while per-capita income is $32,588. 14.1% of residents live below the poverty line, and the unemployment rate reads 4.3%. On housing, the median home value is $219,900 (11% below the state average) with median rent at $1,177 per month, and 69.9% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 22.7% of adults hold a bachelor's degree or higher, the median age is 35.5, and the average commute is 24 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 76708, plus 6 more within McLennan County, give a clearer read than the 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 76708

Top 5 sectors by establishment count in Waco, TX

Which industries have the most business establishments in ZIP 76708.

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 76708, 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

24,476

Population

120.5

Area (sq mi)

203

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 76708?

35.5

Median Age

49.8%

Male

50.2%

Female

11.4%

Foreign-Born

White 54.3%
African American 13.3%
Asian 2.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 25.3%
Hispanic or Latino 32.2%

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?

$68,856

Median Household Income

-9% vs state

$32,588

Per Capita Income

14.1%

Poverty Rate

4.3%

Unemployment Rate

24.0 min

Mean Commute Time

How ZIP 76708 ranks nationally

Waco, TX household income vs. every US ZIP code

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

$68,856 45th percentile higher than 45% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 48.5%
Bachelor's Degree or Higher 22.7%

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

What does housing look like?

11,183

Total Housing Units

10,261

Occupied Units

922

Vacant Units

2.67

Avg Household Size

Occupancy Type

Owner 69.9%
Renter 30.1%

$219,900

Median Home Value

-11% vs state

$1,177

Median Rent

1974

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

+1.1%

YoY Change (2024)

301

HPI Index (2000 = 100)

+201%

Total Change Since 2000

Home values in ZIP 76708 have increased 1.1% over the past year (2024). Since 2000, this ZIP has seen +201% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.7% 205
2021 +12.8% 231
2022 +21.8% 282
2023 +5.8% 298
2024 +1.1% 301

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 312 business establishments in ZIP 76708, employing approximately 3,643 people with a combined annual payroll of $158,631,000.

312

Businesses

3,643

Employees

$158.6M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 47 15.1%
Construction 37 11.9%
Retail trade 37 11.9%
Other services (except public administration) 37 11.9%
Accommodation and food services 36 11.5%
Professional, scientific, and technical services 27 8.7%
Administrative and support and waste management and remediation services 19 6.1%
Finance and insurance 14 4.5%
Real estate and rental and leasing 14 4.5%
Transportation and warehousing 13 4.2%
Manufacturing 8 2.6%
Educational services 8 2.6%
Arts, entertainment, and recreation 6 1.9%
Wholesale trade 4 1.3%
Information 3 1.0%

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 76708 vs 76710 →

ZIP 76708 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 76708 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 76708 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 76708 ranks #3 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
76710 Waco, TX 22,686 6.2 mi
76705 Waco, TX 29,155 6.8 mi
76707 Waco, TX 16,697 5.9 mi
76704 Waco, TX 8,007 6.1 mi
76712 Woodway, TX 23,506 7.6 mi
76701 Waco, TX 1,826 6.7 mi
76633 China Spring, TX 4,973 7.2 mi
76711 Waco, TX 9,042 8.5 mi
76798 Waco, TX 1,862 7.7 mi
76640 Elm Mott, TX 3,005 9.3 mi

More ZIP Codes in McLennan County

76706 standard
Waco, TX
Pop: 35,015
76705 standard
Waco, TX
Pop: 29,155
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 76708 in? ▼
ZIP code 76708 (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 76708? ▼
ZIP code 76708 in Waco, TX has a population of 24,476 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76708? ▼
The median household income in ZIP 76708 is $68,856, which is 10% below the national average of $76,288.
What is the average home value in ZIP 76708? ▼
The median home value in ZIP 76708 is $219,900, which is 21% below the national average of $278,155.
What is the demographic makeup of ZIP 76708? ▼
The largest racial group in ZIP 76708 is White at 54.3%. Hispanic or Latino residents make up 32.2% of the population.
How many businesses are in ZIP code 76708? ▼
ZIP code 76708 has 312 business establishments employing approximately 3,643 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76708? ▼
The top industries by establishment count in ZIP 76708 are: Health care and social assistance (47), Construction (37), Retail trade (37). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 76708? ▼
According to the FHFA House Price Index, home values in ZIP 76708 increased by 1.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 201%. 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 76708? ▼
In ZIP code 76708, 48.5% of residents aged 25+ have a high school diploma or higher, and 22.7% 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 76708? ▼
The mean commute time for workers in ZIP code 76708 is 24.0 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 76708? ▼
In ZIP code 76708, approximately 69.9% of occupied housing units are owner-occupied and 30.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76708? ▼
The poverty rate in ZIP code 76708 is 14.1% 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.