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Waco city, TX

ZIP 76710 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76710

Median Home Value
$229,000
Median Rent
$908
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,471/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 76710 in Waco city, TX, a household would need roughly $63,000 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 $1,471. That is about 18% above the local median household income ($53,304), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
46.5%-29% vs US avg
x
Vacancy Rate
12.5%+22% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
45.9%+20% vs US avg
x
$229,000
Home Value
$908
Rent
1969
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached55.2%
  • 1-unit attached3.3%
  • 2-9 units20.5%
  • 10+ units19.9%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,000
Median rent$908
Owner-occupied46.5%
Vacant12.5%
Price-to-income4.3x
Est. income to buy$63,000