HousingHandbookReference data

U.S. ZIP Code · TX76649

Bosque County · Waco, TX

Typical home value

$284,468[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-3.8%
5-year / yr
10-year / yr

Relative price

vs U.S.
≈ U.S. median
vs metro
+8.7%
vs state
+8.7%
ZIP 76649 location in TX
Location of ZIP 76649 in TX

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 76649 is worth $284,468 — 8.7% above the Waco, TX median. Over the past year, values have fallen 3.8%. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.7%[3]
Typical annual tax
$2,046[3]

#Climate risk

FEMA National Risk Index ratings for Bosque County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Very Low[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Relatively Low
Drought
Relatively Low
Heat wave
Relatively Low
Hurricane
Very Low
Tornado
Relatively Moderate
Earthquake
Very Low
Winter weather
Very Low

#Who lives here

Population
813[3]
Median household income
$81,771[3]

#Migration

Household moves in and out of Bosque County over a year, from IRS tax-return data.

Net migration
+130[5]
Moved in
641
Moved out
511

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
1
Elementary
0
Middle
0
High
0
  • IREDELL SCHOOL

    Other · Grades PK–12 · IREDELL ISD

    135 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,438
Loan principal$227,574
Down payment$56,894
Total interest paid$290,259

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,846
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
3rd percentile[3]

Frequently asked

How much is a home worth in ZIP code 76649?
The typical home in 76649 is worth $284,468, based on the Zillow Home Value Index.
Are home values rising in 76649?
Home values in 76649 are down 3.8% over the past year.
What is the property tax rate in 76649?
The effective property tax rate in 76649 is 0.7% — roughly $2,046 a year on a typical home.
Who lives in 76649?
ZIP code 76649 has a population of 813 and a median household income of $81,771.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • West, TX

    Typical home
    $296,579
    Gross yield
  • Hewitt, TX

    Typical home
    $297,591
    Gross yield
    6.8%
  • Bruceville-Eddy, TX

    Typical home
    $301,732
    Gross yield
  • Meridian, TX

    Typical home
    $264,649
    Gross yield
  • Waco, TX

    Typical home
    $304,826
    Gross yield
  • Bruceville-Eddy, TX

    Typical home
    $263,691
    Gross yield

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