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 High-density area
- $68,856
- Median income Near-median income area
- $219,900
- Median home value Near-median home value
- 22.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 76708 (Waco, TX) rose +1.1% from 2023 to 2024. The all-transactions index moved from 298.0 in 2023 to 301.3 in 2024 (2000 = 100).
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 average Texas ZIP), while per-capita income is $32,588. The poverty rate is 14.1%, with unemployment at 4.3%; those measures add context to the income figure. Median home value is $219,900 (11% below the average Texas ZIP) and median rent is $1,177; 69.9% of occupied homes 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in McLennan County, so 76708 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 76708
Top 5 sectors by establishment count in Waco, TX
Which industries have the most business establishments in ZIP 76708.
- Health care and social assistance
Health care and social assistance
47 establishments
- Construction
Construction
37 establishments
- Retail trade
Retail trade
37 establishments
- Other services (except public administration)
Other services (except public administration)
37 establishments
- Accommodation and food services
Accommodation and food services
36 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 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
Who lives in ZIP 76708?
35.5
Median Age
49.8%
Male
50.2%
Female
11.4%
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?
$68,856
Median Household Income
-9% vs state ZIP avg
$32,588
Per Capita Income
14.1%
Poverty Rate
4.3%
Unemployment Rate
24.0 min
Mean Commute Time
How ZIP 76708 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)
$68,856 48th percentile higher than 48% 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
11,183housing units
11,183
Total Housing Units
10,261
Occupied Units
922
Vacant Units
2.67
Avg Household Size
Occupancy Type
$219,900
Median Home Value
-11% vs state ZIP avg
$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.
- 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
- 76711 9,042
Waco (76711)
9,042 residents
- 76704 8,007
Waco (76704)
8,007 residents
- 76633 4,973
China Spring (76633)
4,973 residents
- 76640 3,005
Elm Mott (76640)
3,005 residents
What this shows Among its immediate neighbors, ZIP 76708 ranks #2 by population - useful context the national average alone can't give.
ZIP 76708 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76633
China Spring (76633)
$106,755 median income
- 76712
Woodway (76712)
$97,903 median income
- 76708
Waco (76708)
$68,856 median income
- 76640
Elm Mott (76640)
$66,641 median income
- 76705
Waco (76705)
$58,236 median income
- 76710
Waco (76710)
$58,186 median income
- 76711
Waco (76711)
$53,185 median income
- 76707 $40,443
Waco (76707)
$40,443 median income
- 76704 $30,349
Waco (76704)
$30,349 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76708, 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 (24,476 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 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.
Related
Take this with you
What to do with ZIP 76708's numbers, next.
- See how ZIP 76708 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.