ZIP Code 76798

In ZIP code 76798, near Waco, per-capita income sits at just $4,013, a figure shaped largely by the student population anchored at Baylor University. That low earnings base makes everyday costs matter: the combined sales tax rate of 6.25% applies to most purchases, so each dollar spent stretches less. Property taxes in the county run at an effective rate of 1.43%, a meaningful line item for any household that owns rather than rents. With income this limited, housing and consumption taxes together consume a large share of what comes in, leaving little slack for savings or unexpected expenses.