76524 ZIP Code — Eddy, TX

Mclennan County, Texas

ZIP code 76524 is located in Eddy, Texas, within Mclennan County. It covers approximately 60.99 square miles and serves a population of 4,053 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 254.

About ZIP code 76524

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $176,800. Owner-occupancy is high at 81%, well above the national average.

The gap between median ($75,435) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 29% of residents, above the national average. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. The average commute of 28 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks. 19% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 17% of civilians, above the national average of 7%.

Overall, ZIP code 76524 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

4,053

population

60.99

sq mi land

Standard

ZIP type

Central (CT)

timezone

76524 ZIP code map

Cities in ZIP code 76524

Below are the cities the US Postal Service accepts for ZIP code 76524. Using any city not on this list may result in mail delivery delays.

City	Status
Eddy	Acceptable
Eddy	Preferred

Nearby ZIP codes

76579 Troy (5.3 mi) 76630 Bruceville (5.7 mi) 76632 Chilton (8.1 mi) 76655 Lorena (9.6 mi) 76557 Moody (9.9 mi) 76656 Lott (11.1 mi) 76501 Temple (13 mi) 76504 Temple (13.2 mi) 76508 Temple (13.4 mi) 76643 Hewitt (13.4 mi) 76685 Satin (14.4 mi) 76502 Temple (15.5 mi)

Demographics updated 07/2026

Population
Total population	4,053
Population density	66 / sq mi
State FIPS	48
County FIPS	309

Geography
Land area	60.99 sq mi
Water area	0.35 sq mi
Latitude	31.2653
Longitude	-97.2274
Timezone	Central (CT)
Area code	254

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.9%	49.7%	39.5%
$50k – $100k	32.4%	26.8%	30.1%
$100k – $200k	19.7%	18.6%	22.6%
Over $200k	13.9%	4.8%	7.8%

Demographics & statistics

4,053

Population

People per sq mi

45.5

Median age

$75,435

Median household income

$45,695

Per capita income

$176,800

Median home value

$1,136

Median monthly rent

81.3%

Home ownership

28.7%

Poverty rate

5.7%

Unemployment

1,276

Housing units

18.8%

Bachelor's or higher

Age distribution

Male Female

156

Under 5

166

5–9

110

10–14

116

124

15–19

131

115

20–24

123

132

25–34

141

226

35–44

241

487

45–54

518

109

55–59

115

60–64

202

65–74

214

143

75–84

152

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	763	18.8%
18 and over	3,290	81.2%
65 and over	727	17.9%
Median age	45.5 years

Race & ethnicity

White 65.1%

Hispanic or Latino 14.7%

Two or more races 12.8%

Other race 3.7%

Asian 2%

Black or African American 1.7%

Group	Count	%
White	3,094	65.1%
Hispanic or Latino	698	14.7%
Two or more races	609	12.8%
Other race	175	3.7%
Asian	93	2%
Black or African American	81	1.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.9%	49.7%	39.5%
$50k – $100k	32.4%	26.8%	30.1%
$100k – $200k	19.7%	18.6%	22.6%
Over $200k	13.9%	4.8%	7.8%

Under $10k 9.4%

$10k–$15k 3.9%

$15k–$25k 14.1%

$25k–$35k 4.7%

$35k–$50k 4.4%

$50k–$75k 13.2%

$75k–$100k 14.7%

$100k–$150k 18.3%

$150k–$200k 4.3%

$200k+ 12.9%

Range	% of households
Under $10k	9.4%
$10k–$15k	3.9%
$15k–$25k	14.1%
$25k–$35k	4.7%
$35k–$50k	4.4%
$50k–$75k	13.2%
$75k–$100k	14.7%
$100k–$150k	18.3%
$150k–$200k	4.3%
$200k+	12.9%
Median income	$75,435

Housing

Home values

Under $50k 5.3%

$50k–$100k 26.4%

$100k–$150k 13.3%

$150k–$200k 14.5%

$200k–$300k 25.6%

$300k–$500k 12.6%

$500k–$1M 1.9%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$176,800
Median rent / month	$1,136
Owner occupied	81.3%
Renter occupied	18.7%
Vacant	6.1%
Single-family detached	70.7%
Large apartment buildings	0.0%
Mobile homes	28.4%
Median rooms	5.9
Avg household size (owned)	2.67

Year built

Era	%
2020 or later	0.3%
2010–2019	6.0%
2000–2009	14.7%
1990–1999	20.2%
1980–1989	19.9%
1970–1979	18.0%
1960–1969	10.4%
1950–1959	2.5%
1940–1949	4.4%
1939 or earlier	3.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	24.4%
3 bedrooms	60.4%
4 bedrooms	9.4%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	13.4%
2 vehicles	55.6%
3 or more	29.9%

Heating fuel

Fuel type	%
Utility gas	4.0%
Electricity	87.9%
Propane / LP gas	6.4%
Wood	1.7%

Households & families

Household type	Count	%
Married-couple family	927	63.8%
Cohabiting couple	28	1.9%
Male householder, no spouse	156	10.7%
Female householder, no spouse	341	23.5%
Households with children under 18	381	26.2%
Households with seniors (65+)	550	37.9%
Average household size	2.79

Marital status

Status	Male	Female
Never married	18.2%	20.9%
Married	62.6%	56.6%
Separated	8.9%	0.6%
Widowed	3.8%	13.9%
Divorced	6.4%	8.0%

Education

Less than 9th grade 7.4%

Some HS, no diploma 12.0%

HS graduate 30.0%

Some college, no degree 17.2%

Associate's degree 14.6%

Bachelor's degree 8.7%

Graduate / professional 10.1%

Metric	%
HS diploma or higher	80.7%
Bachelor's or higher	18.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	64	8.8%
Kindergarten	33	4.5%
Elementary school	301	41.2%
High school	237	32.4%
College / grad school	96	13.1%

Employment

Industry of employment

Public administration 15.7%

Retail trade 13.4%

Professional & management 12.3%

Construction 10.4%

Finance & real estate 9.9%

Arts, food & hospitality 9.7%

Manufacturing 9.3%

Education & healthcare 9.0%

Transportation & utilities 5.1%

Other services 2.8%

Wholesale trade 1.9%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	35.7%
Service	10.6%
Sales & office	27.6%
Natural resources & construction	12.8%
Production & transportation	13.3%

Employment type

Type	%
Private sector	68.9%
Government	20.2%
Self-employed	10.7%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	80.4%
Carpool	10.4%
Public transit	0.0%
Walk	0.2%
Work from home	7.9%
Other means	1.1%
Avg commute (minutes)	28.0

Poverty

All people 28.7%

Under 18 years 59.1%

18 and over 21.7%

Married-couple families 17.3%

Female-led households 73.7%

Income support

Source	% of households
Social Security	39.6%
Retirement income	19.8%
Supplemental Security	3.8%
Cash public assistance	1.0%
Food stamps / SNAP	5.2%

Health indicators

Condition	%
Obesity	33.6%
High blood pressure	35.2%
High cholesterol	36.7%
Diabetes	11.6%
Heart disease	6.9%
Stroke	3.1%
Asthma	9.6%
Arthritis	24.7%
Kidney disease	3.0%
Pulmonary disease	7.8%
Cancer	6.3%

Behavior / access	%
Smoking	20.4%
Binge drinking	18.8%
No physical activity	25.5%
Less than 7 hrs sleep	35.6%
Depression	23.8%
Fair or poor health	17.5%
Poor mental health	16.1%
Poor physical health	12.1%
No health insurance	25.0%
Visited doctor (checkup)	70.9%
Visited dentist	54.4%
Cholesterol screening	88.7%
Teeth loss	15.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	562	17.1%

Disability	%
Any disability	21.5%
Under 18	6.4%
18–64 years	20.1%
65 and over	42.1%

Health insurance coverage

Type	%
Private insurance	56.3%
Public insurance	43.0%
No insurance	19.1%
Uninsured under 19	3.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,731	92.1%
Spanish	396	10.6%
Other Indo-European	390	10.5%
Asian & Pacific Islander	6	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,645	89.9%
Born in same state	3,634	89.7%
Born in different state	2,764	68.2%
Foreign born	11	0.3%
Naturalized citizen	408	10.1%
Not a US citizen	75	18.4%

Ancestry

Ancestry	Count	%
Italian	926	22.8%
French	231	5.7%
Arab	189	4.7%

Ancestry	Count	%
English	69	1.7%
Polish	29	0.7%
Dutch	11	0.3%

Technology access

Metric	% of households
Computer access	35.8%
Internet access	84.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 76524

What city is ZIP code 76524 in?

ZIP code 76524 is primarily assigned to Eddy, Texas.

What county is ZIP code 76524 in?

ZIP code 76524 falls within Mclennan County, Texas.

What is the poverty rate in ZIP code 76524?

29% of residents in ZIP code 76524 live below the poverty line, above the national average.

Does ZIP code 76524 have a large veteran population?

17% of civilians in ZIP code 76524 are veterans, above the national average of ~7%.

Is ZIP code 76524 mostly owner-occupied?

81% of occupied units in ZIP code 76524 are owner-occupied, well above the national average.

Does ZIP code 76524 have a large retiree population?

40% of households in ZIP code 76524 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 76524 in?

ZIP code 76524 observes the CST timezone.