ZIP Code 76712 — Waco city, TX Demographics & Data

ZIP code 76712 covers Waco, TX in McLennan County with a population of about 28,719.

At a glance, the area shows median age of 39.9 (near the U.S. median).

It sits in telephone area code 254; U.S. House district TX-17; the WACO - TEMPLE - BRYAN media market.

Median household income in ZIP 76712 is about $96,267 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 2.6%; 48.7% of adults with a bachelor’s degree or higher (about 15.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 11.4% of workers reporting work-from-home (about 3.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $302,100 — about 13% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,184 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 70.0% (about 4.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76712 in Waco, TX, a household would need roughly $83,000 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 $1,941. That sits below the local median household income ($96,267), 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.

FEMA’s National Risk Index rates natural-hazard risk for Waco city, TX as Relatively Moderate (composite score 91.2), which is among the highest nationally. The strongest component scores on US5 are wildfire (90.0) and flood (88.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Waco city, TX show little to no average snow and around 37.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,355 for ZIP 76712 (Waco city, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.