76557 ZIP Code — Moody, TX

Mclennan County, Texas

ZIP code 76557 is located in Moody, Texas, within Mclennan County. It covers approximately 123.50 square miles and serves a population of 5,389 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 254.

About ZIP code 76557

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $168,800. Owner-occupancy is high at 77%, well above the national average.

Median household income is $70,017. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. The average commute of 27 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

25% of residents lack health insurance, above the national average.

Overall, ZIP code 76557 reflects a community defined by high homeownership and a significant Social Security-dependent population.

5,389

population

123.50

sq mi land

Standard

ZIP type

Central (CT)

timezone

76557 ZIP code map

Cities in ZIP code 76557

Below are the cities the US Postal Service accepts for ZIP code 76557. Using any city not on this list may result in mail delivery delays.

City	Status
Moody	Acceptable
Moody	Preferred

Nearby ZIP codes

76657 Mc Gregor (9 mi) 76524 Eddy (9.9 mi) 76579 Troy (10.1 mi) 76630 Bruceville (10.3 mi) 76504 Temple (12.1 mi) 76561 Oglesby (13 mi) 76655 Lorena (13.2 mi) 76502 Temple (14.1 mi) 76508 Temple (14.5 mi) 76643 Hewitt (15.8 mi) 76638 Crawford (16.9 mi) 76632 Chilton (17 mi)

Demographics updated 06/2026

Population
Total population	5,389
Population density	44 / sq mi
State FIPS	48
County FIPS	309

Geography
Land area	123.50 sq mi
Water area	6.25 sq mi
Latitude	31.3047
Longitude	-97.3881
Timezone	Central (CT)
Area code	254

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.2%	49.7%	39.5%
$50k – $100k	27.1%	26.8%	30.1%
$100k – $200k	20.7%	18.6%	22.6%
Over $200k	15.1%	4.8%	7.8%

Demographics & statistics

5,389

Population

People per sq mi

39.4

Median age

$70,017

Median household income

$36,862

Per capita income

$168,800

Median home value

$1,055

Median monthly rent

76.6%

Home ownership

10.9%

Poverty rate

5.2%

Unemployment

1,573

Housing units

25.6%

Bachelor's or higher

Age distribution

Male Female

109

Under 5

137

5–9

117

190

10–14

162

280

15–19

239

232

20–24

198

357

25–34

305

286

35–44

244

287

45–54

246

248

55–59

212

170

60–64

146

420

65–74

360

134

75–84

114

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,225	22.7%
18 and over	4,164	77.3%
65 and over	1,130	21.0%
Median age	39.4 years

Race & ethnicity

White 74.6%

Two or more races 9.5%

Hispanic or Latino 8.1%

Black or African American 3.3%

Asian 1.9%

American Indian / Alaska Native 1.4%

Other race 1.1%

Group	Count	%
White	4,377	74.6%
Two or more races	559	9.5%
Hispanic or Latino	476	8.1%
Black or African American	196	3.3%
Asian	110	1.9%
American Indian / Alaska Native	83	1.4%
Other race	64	1.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.2%	49.7%	39.5%
$50k – $100k	27.1%	26.8%	30.1%
$100k – $200k	20.7%	18.6%	22.6%
Over $200k	15.1%	4.8%	7.8%

Under $10k 1.9%

$10k–$15k 3.6%

$15k–$25k 10.9%

$25k–$35k 7.4%

$35k–$50k 12.7%

$50k–$75k 20.1%

$75k–$100k 13.2%

$100k–$150k 11.6%

$150k–$200k 3.7%

$200k+ 14.9%

Range	% of households
Under $10k	1.9%
$10k–$15k	3.6%
$15k–$25k	10.9%
$25k–$35k	7.4%
$35k–$50k	12.7%
$50k–$75k	20.1%
$75k–$100k	13.2%
$100k–$150k	11.6%
$150k–$200k	3.7%
$200k+	14.9%
Median income	$70,017

Housing

Home values

Under $50k 4.5%

$50k–$100k 20.2%

$100k–$150k 15.0%

$150k–$200k 17.4%

$200k–$300k 21.7%

$300k–$500k 11.6%

$500k–$1M 9.5%

Housing overview

Metric	Value
Median home value	$168,800
Median rent / month	$1,055
Owner occupied	76.6%
Renter occupied	23.4%
Vacant	9.5%
Single-family detached	74.9%
Large apartment buildings	0.2%
Mobile homes	21.2%
Median rooms	5.6
Avg household size (owned)	3.15

Year built

Era	%
2020 or later	3.6%
2010–2019	9.6%
2000–2009	19.9%
1990–1999	16.9%
1980–1989	10.2%
1970–1979	15.4%
1960–1969	5.2%
1950–1959	5.4%
1940–1949	0.8%
1939 or earlier	13.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	6.4%
2 bedrooms	27.9%
3 bedrooms	44.9%
4 bedrooms	18.6%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.6%
1 vehicle	22.6%
2 vehicles	38.8%
3 or more	36.0%

Heating fuel

Fuel type	%
Utility gas	11.1%
Electricity	75.5%
Propane / LP gas	7.5%
Wood	4.4%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	963	53.4%
Cohabiting couple	144	8.0%
Male householder, no spouse	271	15.0%
Female householder, no spouse	427	23.7%
Households with children under 18	544	30.1%
Households with seniors (65+)	815	45.2%
Average household size	2.99

Marital status

Status	Male	Female
Never married	38.0%	20.6%
Married	50.4%	46.3%
Separated	0.1%	1.8%
Widowed	3.4%	16.1%
Divorced	8.0%	15.2%

Education

Less than 9th grade 4.0%

Some HS, no diploma 6.6%

HS graduate 31.6%

Some college, no degree 23.8%

Associate's degree 8.4%

Bachelor's degree 17.9%

Graduate / professional 7.8%

Metric	%
HS diploma or higher	89.4%
Bachelor's or higher	25.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	69	4.3%
Kindergarten	90	5.6%
Elementary school	483	30.1%
High school	503	31.4%
College / grad school	457	28.5%

Employment

Industry of employment

Construction 26.9%

Education & healthcare 18.8%

Arts, food & hospitality 10.8%

Retail trade 8.6%

Manufacturing 7.7%

Agriculture & mining 5.6%

Other services 5.2%

Finance & real estate 4.9%

Professional & management 4.8%

Transportation & utilities 3.2%

Wholesale trade 1.9%

Public administration 1.5%

Information 0.1%

Occupation

Category	%
Management, business & arts	33.7%
Service	13.2%
Sales & office	25.6%
Natural resources & construction	14.6%
Production & transportation	13.0%

Employment type

Type	%
Private sector	84.0%
Government	8.9%
Self-employed	6.0%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	84.7%
Carpool	9.3%
Public transit	0.0%
Walk	1.0%
Work from home	3.6%
Other means	1.3%
Avg commute (minutes)	27.2

Poverty

All people 10.9%

Under 18 years 13.0%

18 and over 10.2%

Married-couple families 5.9%

Female-led households 11.3%

Income support

Source	% of households
Social Security	45.6%
Retirement income	33.2%
Supplemental Security	5.3%
Cash public assistance	0.8%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	34.2%
High blood pressure	35.2%
High cholesterol	35.0%
Diabetes	11.5%
Heart disease	6.7%
Stroke	3.1%
Asthma	9.3%
Arthritis	24.7%
Kidney disease	2.9%
Pulmonary disease	7.3%
Cancer	6.5%

Behavior / access	%
Smoking	19.5%
Binge drinking	19.0%
No physical activity	24.2%
Less than 7 hrs sleep	36.0%
Depression	23.0%
Fair or poor health	16.5%
Poor mental health	15.5%
Poor physical health	11.6%
No health insurance	23.0%
Visited doctor (checkup)	71.9%
Visited dentist	57.8%
Cholesterol screening	89.7%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	302	7.3%

Disability	%
Any disability	17.5%
Under 18	3.3%
18–64 years	14.6%
65 and over	40.8%

Health insurance coverage

Type	%
Private insurance	57.2%
Public insurance	33.8%
No insurance	24.6%
Uninsured under 19	32.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,186	96.2%
Spanish	130	2.5%
Other Indo-European	120	2.3%
Asian & Pacific Islander	0	0.0%
Other languages	10	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,228	97.0%
Born in same state	5,185	96.2%
Born in different state	4,215	78.2%
Foreign born	43	0.8%
Naturalized citizen	161	3.0%
Not a US citizen	34	21.1%

Ancestry

Ancestry	Count	%
French	531	9.9%
Italian	514	9.5%
Arab	75	1.4%

Ancestry	Count	%
English	24	0.4%
German	16	0.3%
Polish	15	0.3%

Technology access

Metric	% of households
Computer access	33.5%
Internet access	95.6%

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

Frequently asked questions about ZIP code 76557

What city is ZIP code 76557 in?

ZIP code 76557 is primarily assigned to Moody, Texas.

What county is ZIP code 76557 in?

ZIP code 76557 falls within Mclennan County, Texas.

Does ZIP code 76557 have a large retiree population?

46% of households in ZIP code 76557 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 76557?

The median home value in ZIP code 76557 is $168,800.

What is the population of ZIP code 76557?

ZIP code 76557 has an estimated population of 5,389 residents, with a density of 44 people per square mile.

What is the median household income in ZIP code 76557?

The median household income in ZIP code 76557 is $70,017, below the national median of ~$75,000.

What timezone is ZIP code 76557 in?

ZIP code 76557 observes the CST timezone.