76708 Property Tax Rate
Waco, Texas · Part of McLennan County
Effective Tax Rate
1.67%
9% above state avgMedian Annual Tax
$3,413
$284/mo escrow
Estimate Your Tax
Annual Tax
$3,413
Monthly
$284
Eff. Rate
1.67%
Buyer decision brief
What ZIP 76708 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$284/mo
Based on median annual tax paid
State context
0.31 percentage points above the Texas average
Texas average: 1.35%
Data confidence
High confidenceThe Census margin of error is $262, about 8% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with McLennan County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 76708 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$262 tax MOE, 8% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
McLennan County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 76708
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $204,600, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.67%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Texas and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $284 per month before insurance, HOA dues, or special assessments.
Assessor verification
McLennan County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 76708 Compares
Median Annual Property Tax
ZIP 76708
1.67%
Effective rate
Texas Avg
1.35%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Texas
Higher than 78% of ZIP codes in Texas(78th percentile, 1,654 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 76708
Property owners in ZIP code 76708 (Waco, Texas) pay a median of $3,413/year in property taxes on homes valued at $204,600. This translates to an effective tax rate of 1.67%, which is 23% above the Texas state average of 1.35%.
The monthly property tax burden for a median-valued home in 76708 is approximately $284, which factors into escrow payments on mortgages. This ZIP code is located within McLennan County. This is $282 more than the Texas average of $3,131/year.
Compared to similar ZIP codes in Texas, 76708 has lower property taxes. ZIP codes with similar effective rates include 77437 (1.67%) and 77546 (1.67%).
In Waco, property taxes represent approximately 5.1% of the median household income of $66,764, providing context for the relative tax burden on homeowners in this area.
Texas property taxes reset to market value at purchase but are then capped at 10% annual increases for homestead properties under state law. File your Homestead Exemption with the McLennan County Appraisal District by April 30 of the year following your purchase to activate the cap and reduce assessed value. Visit the McLennan County Appraisal District office or their website to submit your exemption application and verify the deadline for additional local exemptions.
Frequently Asked Questions
What is the property tax rate in ZIP code 76708?
How much are property taxes in Waco, TX (76708)?
How does ZIP 76708 compare to the Texas average?
What is the median home value in ZIP 76708?
What county is ZIP code 76708 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$262. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 76708 is part of McLennan County, Texas. View the full county profile for broader context and more data.
View McLennan County on TaxByCounty →Explore Waco, TX
View all 7 ZIP codes in Waco with property tax comparisons.
View Waco Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 76708
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
76705
Waco, TX
0.33 percentage points lower than ZIP 76708.
Rate
1.33%
Tax
$2,228
Quality
101
76711
Waco, TX
0.20 percentage points lower than ZIP 76708.
Rate
1.47%
Tax
$1,653
Quality
101
76706
Waco, TX
0.02 percentage points lower than ZIP 76708.
Rate
1.65%
Tax
$2,981
Quality
101
76704
Waco, TX
0.00 percentage points lower than ZIP 76708.
Rate
1.66%
Tax
$1,878
Quality
96
76640
Elm Mott, TX
0.84 percentage points lower than ZIP 76708.
Rate
0.83%
Tax
$1,479
Quality
84
76633
China Spring, TX
0.56 percentage points lower than ZIP 76708.
Rate
1.11%
Tax
$3,861
Quality
84
76691
West, TX
0.40 percentage points lower than ZIP 76708.
Rate
1.27%
Tax
$2,910
Quality
89
76638
Crawford, TX
0.36 percentage points lower than ZIP 76708.
Rate
1.30%
Tax
$4,906
Quality
89
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.