Median home value in zip code 76704 (Waco, TX) is $110,240, down 8.8% year over year. Part of the Waco, TX metropolitan area.

Home Value$110,240

YoY Change

-8.8%

Prices falling — better for buyers.

Affordability

Enter your income for 76704 (Waco).

Income (annual)

Down Payment

$22,048 on $110,240

Example: $75,000 household income. Change it above to see your own.

Affordable15.6% of income

Under the 28% guideline.

PITI$973

P/I15.6%

Afford$198K

Room+$88K

P&I $557Tax $165Ins $250

6.50% 30yr, 20% down, county tax + TX ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

76704 is part of the Waco, TX metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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