Browse
Log in / Register
Share
Understanding the Waco zip codes is a fundamental step for anyone considering moving to or investing in this Central Texas city. Each zip code corresponds to distinct neighborhoods with unique characteristics, school districts, and real estate markets. This guide provides a detailed overview of the primary Waco zip codes, including a map, median home prices, and key neighborhood insights to inform your decision-making process for 2025.
What are the primary zip codes in Waco, Texas? The city of Waco is primarily served by several zip codes, with 76710, 76712, and 76708 covering the most significant residential and commercial areas. Zip code 76710 encompasses much of downtown Waco and areas to the north, including the popular Silos District. Zip code 76712 covers a large portion of West Waco, known for its established neighborhoods and proximity to Lake Waco. Zip code 76708 includes areas south of the Brazos River, including parts of the Baylor University campus and older, historic homes. Knowing these boundaries helps narrow a property search based on desired lifestyle and amenities.
How do home prices vary across Waco's zip codes? Real estate prices in Waco can vary significantly by location. The median home price citywide has seen steady growth, but specific zip codes command different values based on factors like school ratings and proximity to key attractions. The following table provides a snapshot of the approximate median home prices as of early 2025, based on aggregated market data.
| Zip Code | Approximate Median Home Price | Key Characteristic |
|---|---|---|
| 76710 | $250,000 | Mix of downtown lofts, renovated bungalows, and new developments. |
| 76712 | $320,000 | Established West Waco neighborhoods with larger lots and family homes. |
| 76708 | $180,000 | Includes a range of properties from student housing to historic fixer-uppers. |
It is important to note that these figures are medians, and prices can fluctuate based on the specific property's condition, size, and exact location within the zip code. A comparative market analysis (CMA) is a professional report prepared by a real estate agent that provides the most accurate valuation for a specific property.
Which Waco zip code is right for your relocation? Choosing the right zip code depends heavily on your priorities. For professionals and those seeking a vibrant urban lifestyle, 76710 offers walkability and access to downtown amenities. Families often prioritize 76712 for its highly-rated schools within the Midway Independent School District and its quieter, suburban feel. Zip code 76708 can be attractive for investors, first-time home buyers, or those affiliated with Baylor University due to its generally more affordable entry point. Visiting the neighborhoods at different times of the day is a critical step to assess factors like traffic, noise, and overall community ambiance.
What should you know about property taxes and valuations? When budgeting for a home in any Waco zip code, understanding property taxes is essential. Property taxes in Texas are locally assessed and can be a significant annual expense. The tax rate is set by a combination of local entities like the city, county, and school district. A homestead exemption is a valuable benefit for primary residents that can reduce the taxable value of your home, leading to lower property tax bills. It is recommended to research the specific tax rates for the property's address and factor this into your long-term housing costs.
In summary, selecting a Waco zip code is a key part of the home-buying process. By comparing neighborhood vibes, school districts, and current market data, you can make a well-informed choice. Always verify school district boundaries directly with the district, as they do not always align perfectly with zip codes. For the most accurate and personalized advice, consulting with a local real estate professional is recommended based on our experience assessment.
