06385 ZIP Code — Waterford, CT

New London County, Connecticut

ZIP code 06385 is located in Waterford, Connecticut, within New London County. It covers approximately 24.84 square miles and serves a population of 15,886 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 860.

About ZIP code 06385

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $299,700. Owner-occupancy is high at 79%, well above the national average.

Median household income is $101,994. The poverty rate of 5% is below the national average. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

Educational attainment is near the national average, with 39% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 06385 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

15,886

population

24.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

06385 ZIP code map

Cities in ZIP code 06385

Below are the cities the US Postal Service accepts for ZIP code 06385. Using any city not on this list may result in mail delivery delays.

City	Status
Waterford	Acceptable
Waterford	Preferred

Nearby ZIP codes

06320 New London (3 mi) 06375 Quaker Hill (3.2 mi) 06357 Niantic (3.6 mi) 06333 East Lyme (4.2 mi) 06340 Groton (6.3 mi) 06353 Montville (6.7 mi) 06382 Uncasville (7.3 mi) 06370 Oakdale (7.6 mi) 06335 Gales Ferry (7.7 mi) 06371 Old Lyme (9.4 mi) 06355 Mystic (9.7 mi) 06339 Ledyard (10.1 mi)

Demographics updated 05/2026

Population
Total population	15,886
Population density	640 / sq mi
State FIPS	09
County FIPS	011

Geography
Land area	24.84 sq mi
Water area	1.86 sq mi
Latitude	41.3586
Longitude	-72.1601
Timezone	Eastern (ET)
Area code	860

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.2%	32.0%	32.0%
$50k – $100k	29.8%	30.8%	27.7%
$100k – $200k	33.4%	28.0%	27.1%
Over $200k	9.7%	9.2%	13.2%

Demographics & statistics

15,886

Population

640

People per sq mi

47.1

Median age

$101,994

Median household income

$49,983

Per capita income

$299,700

Median home value

$1,511

Median monthly rent

78.8%

Home ownership

5.4%

Poverty rate

5.0%

Unemployment

5,868

Housing units

38.9%

Bachelor's or higher

Age distribution

Male Female

440

Under 5

472

324

5–9

348

432

10–14

463

400

15–19

429

339

20–24

364

958

25–34

1,029

751

35–44

807

1,202

45–54

1,291

597

55–59

641

579

60–64

621

814

65–74

874

545

75–84

586

280

85+

300

← Male

Female →

Age summary

Group	Count	%
Under 18	3,074	19.4%
18 and over	12,812	80.6%
65 and over	3,399	21.4%
Median age	47.1 years

Race & ethnicity

White 85.4%

Asian 4.8%

Two or more races 4.1%

Hispanic or Latino 2.6%

Black or African American 1.8%

Other race 1%

American Indian / Alaska Native 0.2%

Group	Count	%
White	13,933	85.4%
Asian	790	4.8%
Two or more races	671	4.1%
Hispanic or Latino	424	2.6%
Black or African American	296	1.8%
Other race	162	1%
American Indian / Alaska Native	34	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.2%	32.0%	32.0%
$50k – $100k	29.8%	30.8%	27.7%
$100k – $200k	33.4%	28.0%	27.1%
Over $200k	9.7%	9.2%	13.2%

Under $10k 1.3%

$10k–$15k 3.4%

$15k–$25k 3.7%

$25k–$35k 7.9%

$35k–$50k 7.6%

$50k–$75k 12.4%

$75k–$100k 13.3%

$100k–$150k 24.5%

$150k–$200k 13.3%

$200k+ 12.7%

Range	% of households
Under $10k	1.3%
$10k–$15k	3.4%
$15k–$25k	3.7%
$25k–$35k	7.9%
$35k–$50k	7.6%
$50k–$75k	12.4%
$75k–$100k	13.3%
$100k–$150k	24.5%
$150k–$200k	13.3%
$200k+	12.7%
Median income	$101,994

Housing

Home values

Under $50k 2.8%

$50k–$100k 1.0%

$100k–$150k 4.8%

$150k–$200k 10.8%

$200k–$300k 30.8%

$300k–$500k 39.7%

$500k–$1M 9.6%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$299,700
Median rent / month	$1,511
Owner occupied	78.8%
Renter occupied	21.2%
Vacant	8.9%
Single-family detached	80.5%
Large apartment buildings	1.9%
Mobile homes	2.8%
Median rooms	6.0
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.6%
2010–2019	1.8%
2000–2009	8.2%
1990–1999	12.6%
1980–1989	14.7%
1970–1979	11.6%
1960–1969	11.2%
1950–1959	15.9%
1940–1949	7.0%
1939 or earlier	16.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	9.7%
2 bedrooms	24.0%
3 bedrooms	39.0%
4 bedrooms	22.9%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	5.3%
1 vehicle	30.2%
2 vehicles	44.3%
3 or more	20.3%

Heating fuel

Fuel type	%
Utility gas	2.8%
Electricity	19.8%
Propane / LP gas	10.7%
Fuel oil	62.5%
Wood	2.8%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	3,473	52.4%
Cohabiting couple	376	5.7%
Male householder, no spouse	1,066	16.1%
Female householder, no spouse	1,708	25.8%
Households with children under 18	1,877	28.3%
Households with seniors (65+)	2,244	33.9%
Average household size	2.34

Marital status

Status	Male	Female
Never married	28.3%	24.1%
Married	58.6%	50.8%
Separated	0.9%	0.5%
Widowed	1.9%	10.4%
Divorced	10.3%	14.2%

Education

Less than 9th grade 0.8%

Some HS, no diploma 2.9%

HS graduate 27.1%

Some college, no degree 21.8%

Associate's degree 8.5%

Bachelor's degree 21.6%

Graduate / professional 17.4%

Metric	%
HS diploma or higher	96.3%
Bachelor's or higher	38.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	238	7.2%
Kindergarten	106	3.2%
Elementary school	1,311	39.7%
High school	754	22.8%
College / grad school	892	27.0%

Employment

Industry of employment

Education & healthcare 28.4%

Manufacturing 15.6%

Retail trade 13.3%

Arts, food & hospitality 8.2%

Professional & management 7.9%

Transportation & utilities 5.3%

Public administration 5.2%

Other services 4.6%

Construction 3.6%

Finance & real estate 3.5%

Wholesale trade 2.3%

Information 1.4%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	50.4%
Service	14.5%
Sales & office	22.6%
Natural resources & construction	3.6%
Production & transportation	8.9%

Employment type

Type	%
Private sector	80.9%
Government	13.9%
Self-employed	5.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.7%
Carpool	4.7%
Public transit	0.4%
Walk	0.6%
Work from home	7.8%
Other means	0.8%
Avg commute (minutes)	21.3

Poverty

All people 5.4%

Under 18 years 8.3%

18 and over 4.7%

Married-couple families 0.9%

Female-led households 16.6%

Income support

Source	% of households
Social Security	37.2%
Retirement income	30.1%
Supplemental Security	4.1%
Cash public assistance	1.4%
Food stamps / SNAP	8.6%

Health indicators

Condition	%
Obesity	29.1%
High blood pressure	33.5%
High cholesterol	35.0%
Diabetes	9.0%
Heart disease	7.1%
Stroke	3.0%
Asthma	10.1%
Arthritis	26.6%
Kidney disease	2.9%
Pulmonary disease	6.5%
Cancer	8.6%

Behavior / access	%
Smoking	13.9%
Binge drinking	15.2%
No physical activity	17.2%
Less than 7 hrs sleep	32.0%
Depression	20.2%
Fair or poor health	10.5%
Poor mental health	12.5%
Poor physical health	8.7%
No health insurance	7.4%
Visited doctor (checkup)	79.1%
Visited dentist	75.8%
Cholesterol screening	93.6%
Teeth loss	9.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,568	12.5%

Disability	%
Any disability	14.3%
Under 18	5.4%
18–64 years	11.0%
65 and over	32.2%

Health insurance coverage

Type	%
Private insurance	78.6%
Public insurance	36.7%
No insurance	2.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,974	94.3%
Spanish	306	2.0%
Other Indo-European	67	0.4%
Asian & Pacific Islander	123	0.8%
Other languages	110	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,955	94.1%
Born in same state	14,775	93.0%
Born in different state	9,753	61.4%
Foreign born	180	1.1%
Naturalized citizen	931	5.9%
Not a US citizen	676	72.6%

Ancestry

Ancestry	Count	%
Italian	3,916	24.7%
French	2,207	13.9%
English	498	3.1%
Arab	360	2.3%
German	355	2.2%

Ancestry	Count	%
Dutch	182	1.1%
Polish	124	0.8%
Irish	92	0.6%
Norwegian	77	0.5%

Technology access

Metric	% of households
Computer access	41.7%
Internet access	95.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 06385

What city is ZIP code 06385 in?

ZIP code 06385 is primarily assigned to Waterford, Connecticut.

What county is ZIP code 06385 in?

ZIP code 06385 falls within New London County, Connecticut.

Does ZIP code 06385 have a large veteran population?

13% of civilians in ZIP code 06385 are veterans, above the national average of ~7%.

Does ZIP code 06385 have a large retiree population?

37% of households in ZIP code 06385 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 06385?

ZIP code 06385 has an estimated population of 15,886 residents, with a density of 640 people per square mile.

What is the median household income in ZIP code 06385?

The median household income in ZIP code 06385 is $101,994, above the national median of ~$75,000.

What timezone is ZIP code 06385 in?

ZIP code 06385 observes the EST timezone.