76704 ZIP Code — Waco, TX

Mclennan County, Texas

ZIP code 76704 is located in Waco, Texas, within Mclennan County. It covers approximately 5.40 square miles and serves a population of 7,450 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 254.

About ZIP code 76704

The housing stock consists of a mix of housing types. Most homes were built in the 1960s, giving the area an established character. Median home value is $105,200. Renters make up the majority at 67%, typical of denser urban areas.

Median household income is $19,966. Poverty affects 53% of residents, above the national average. SNAP benefit usage at 47% of households reflects economic stress in the area.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 17 minutes is near the national average.

College attainment at 5% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (47%), diabetes (23%), smoking (28%) compared to national benchmarks. 22% of residents lack health insurance, above the national average.

Overall, ZIP code 76704 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

7,450

population

5.40

sq mi land

Standard

ZIP type

Central (CT)

timezone

76704 ZIP code map

Cities in ZIP code 76704

Below are the cities the US Postal Service accepts for ZIP code 76704. Using any city not on this list may result in mail delivery delays.

City	Status
Waco	Acceptable
Waco	Preferred

Nearby ZIP codes

76701 Waco (2 mi) 76798 Waco (2.3 mi) 76799 Waco (2.3 mi) 76797 Waco (2.3 mi) 76707 Waco (2.5 mi) 76705 Waco (3.6 mi) 76710 Waco (4.5 mi) 76711 Waco (4.6 mi) 76708 Waco (5.5 mi) 76706 Waco (7.2 mi) 76712 Woodway (7.6 mi) 76640 Elm Mott (8.1 mi)

Demographics updated 06/2026

Population
Total population	7,450
Population density	1,380 / sq mi
State FIPS	48
County FIPS	309

Geography
Land area	5.40 sq mi
Water area	0.26 sq mi
Latitude	31.5785
Longitude	-97.1289
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	83.7%	49.7%	39.5%
$50k – $100k	14.8%	26.8%	30.1%
$100k – $200k	0.9%	18.6%	22.6%
Over $200k	0.6%	4.8%	7.8%

Demographics & statistics

7,450

Population

1,380

People per sq mi

29.1

Median age

$19,966

Median household income

$13,810

Per capita income

$105,200

Median home value

$713

Median monthly rent

32.6%

Home ownership

53.3%

Poverty rate

6.6%

Unemployment

1,611

Housing units

4.8%

Bachelor's or higher

Age distribution

Male Female

284

Under 5

384

357

5–9

481

305

10–14

412

174

15–19

235

225

20–24

303

413

25–34

557

231

35–44

312

407

45–54

549

178

55–59

241

207

60–64

279

205

65–74

276

123

75–84

167

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,467	33.1%
18 and over	4,983	66.9%
65 and over	916	12.3%
Median age	29.1 years

Race & ethnicity

Black or African American 61.8%

White 20.7%

Two or more races 6.9%

Hispanic or Latino 6.8%

Other race 3.1%

American Indian / Alaska Native 0.8%

Group	Count	%
Black or African American	4,938	61.8%
White	1,657	20.7%
Two or more races	549	6.9%
Hispanic or Latino	542	6.8%
Other race	245	3.1%
American Indian / Alaska Native	61	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	83.7%	49.7%	39.5%
$50k – $100k	14.8%	26.8%	30.1%
$100k – $200k	0.9%	18.6%	22.6%
Over $200k	0.6%	4.8%	7.8%

Under $10k 21.8%

$10k–$15k 13.1%

$15k–$25k 21.0%

$25k–$35k 8.2%

$35k–$50k 15.4%

$50k–$75k 13.4%

$75k–$100k 5.6%

$100k–$150k 1.3%

$150k–$200k 0.2%

Range	% of households
Under $10k	21.8%
$10k–$15k	13.1%
$15k–$25k	21.0%
$25k–$35k	8.2%
$35k–$50k	15.4%
$50k–$75k	13.4%
$75k–$100k	5.6%
$100k–$150k	1.3%
$150k–$200k	0.2%
Median income	$19,966

Housing

Home values

Under $50k 12.5%

$50k–$100k 35.0%

$100k–$150k 23.8%

$150k–$200k 12.1%

$200k–$300k 9.6%

$300k–$500k 2.9%

$500k–$1M 4.1%

Housing overview

Metric	Value
Median home value	$105,200
Median rent / month	$713
Owner occupied	32.6%
Renter occupied	67.4%
Vacant	14.5%
Single-family detached	56.0%
Large apartment buildings	3.2%
Mobile homes	0.4%
Median rooms	4.8
Avg household size (owned)	2.35

Year built

Era	%
2020 or later	0.0%
2010–2019	3.8%
2000–2009	12.2%
1990–1999	4.2%
1980–1989	14.3%
1970–1979	15.1%
1960–1969	24.8%
1950–1959	13.4%
1940–1949	4.6%
1939 or earlier	7.7%

Bedrooms

Size	% of units
No bedroom (studio)	3.3%
1 bedroom	14.4%
2 bedrooms	40.6%
3 bedrooms	35.3%
4 bedrooms	5.3%
5+ bedrooms	1.1%

Vehicles per household

Vehicles	% of households
No vehicle	18.2%
1 vehicle	62.4%
2 vehicles	10.9%
3 or more	8.5%

Heating fuel

Fuel type	%
Utility gas	32.4%
Electricity	64.6%
Propane / LP gas	1.1%
Wood	0.3%
No fuel used	1.5%

Households & families

Household type	Count	%
Married-couple family	344	10.6%
Cohabiting couple	163	5.0%
Male householder, no spouse	705	21.7%
Female householder, no spouse	2,038	62.7%
Households with children under 18	1,207	37.1%
Households with seniors (65+)	699	21.5%
Average household size	2.23

Marital status

Status	Male	Female
Never married	55.3%	50.5%
Married	21.4%	16.0%
Separated	5.1%	3.1%
Widowed	2.0%	10.6%
Divorced	16.2%	19.9%

Education

Less than 9th grade 5.1%

Some HS, no diploma 14.2%

HS graduate 42.3%

Some college, no degree 23.8%

Associate's degree 9.8%

Bachelor's degree 2.8%

Graduate / professional 2.0%

Metric	%
HS diploma or higher	80.7%
Bachelor's or higher	4.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	292	12.8%
Kindergarten	44	1.9%
Elementary school	1,327	58.1%
High school	356	15.6%
College / grad school	264	11.6%

Employment

Industry of employment

Education & healthcare 27.9%

Arts, food & hospitality 19.2%

Retail trade 10.0%

Manufacturing 9.2%

Construction 7.5%

Finance & real estate 6.8%

Other services 4.5%

Agriculture & mining 4.1%

Public administration 2.9%

Transportation & utilities 2.8%

Professional & management 2.5%

Information 2.1%

Wholesale trade 0.4%

Occupation

Category	%
Management, business & arts	20.3%
Service	32.2%
Sales & office	19.3%
Natural resources & construction	11.1%
Production & transportation	17.1%

Employment type

Type	%
Private sector	80.5%
Government	16.8%
Self-employed	2.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.1%
Carpool	12.4%
Public transit	1.1%
Walk	2.3%
Work from home	1.9%
Other means	1.1%
Avg commute (minutes)	17.0

Poverty

All people 53.3%

Under 18 years 80.2%

18 and over 39.7%

Married-couple families 19.5%

Female-led households 71.9%

Income support

Source	% of households
Social Security	23.8%
Retirement income	14.7%
Supplemental Security	10.6%
Cash public assistance	7.9%
Food stamps / SNAP	46.7%

Health indicators

Condition	%
Obesity	47.4%
High blood pressure	51.0%
High cholesterol	36.1%
Diabetes	23.4%
Heart disease	9.9%
Stroke	7.5%
Asthma	13.4%
Arthritis	31.2%
Kidney disease	5.7%
Pulmonary disease	12.0%
Cancer	5.6%

Behavior / access	%
Smoking	28.0%
Binge drinking	12.6%
No physical activity	42.6%
Less than 7 hrs sleep	46.6%
Depression	22.5%
Fair or poor health	35.8%
Poor mental health	19.6%
Poor physical health	19.5%
No health insurance	35.5%
Visited doctor (checkup)	78.7%
Visited dentist	32.3%
Cholesterol screening	86.2%
Teeth loss	37.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	433	8.7%

Disability	%
Any disability	20.2%
Under 18	5.7%
18–64 years	21.4%
65 and over	56.5%

Health insurance coverage

Type	%
Private insurance	30.9%
Public insurance	54.3%
No insurance	22.4%
Uninsured under 19	4.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,782	91.0%
Spanish	417	6.1%
Other Indo-European	417	6.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,064	94.8%
Born in same state	7,031	94.4%
Born in different state	6,263	84.1%
Foreign born	33	0.4%
Naturalized citizen	386	5.2%
Not a US citizen	37	9.6%

Ancestry

Ancestry	Count	%
Italian	297	4%
French	42	0.6%

Ancestry	Count	%
German	8	0.1%
Arab	3	0%

Technology access

Metric	% of households
Computer access	43.6%
Internet access	84.7%

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

Frequently asked questions about ZIP code 76704

What city is ZIP code 76704 in?

ZIP code 76704 is primarily assigned to Waco, Texas.

What county is ZIP code 76704 in?

ZIP code 76704 falls within Mclennan County, Texas.

What is the poverty rate in ZIP code 76704?

53% of residents in ZIP code 76704 live below the poverty line, above the national average.

Is ZIP code 76704 family-oriented?

33% of residents in ZIP code 76704 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 76704 mostly rentals?

67% of occupied units in ZIP code 76704 are renter-occupied.

How educated is the population of ZIP code 76704?

5% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What timezone is ZIP code 76704 in?

ZIP code 76704 observes the CST timezone.