What to know about ZIP 76540
ZIP code 76540 covers ZIP 76540 with a population of about 4,050.
At a glance, the area shows median age of 30.7 versus a U.S. median of about 38.9.
It sits in the WACO - TEMPLE - BRYAN media market.
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ZIP Code 76540 — undefined, undefined Demographics & Data
Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
Working Class
At a glance
Population
4,050
Density
N/A
Median income
$38,727
-48% vs US avg
Home value
$88,500
-75% vs US avg
Median rent
$602
-48% vs US avg
Timezone
N/A
Overview of ZIP Code 76540
Income and economy in ZIP 76540
Median household income in ZIP 76540 is about $38,727 — about 48% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 15.3%; unemployment rate near 8.9%; 8.3% of adults with a bachelor’s degree or higher (about 25.4 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Construction, Food services, and Retail trade; about 0.1% of workers reporting work-from-home (about 15.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).
Housing and affordability in ZIP 76540
Median home value is about $88,500 — about 75% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $602 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 19.7% (about 45.7 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 76540, a household would need roughly $24,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $569. That sits below the local median household income ($38,727), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.