35677 ZIP Code — Waterloo, AL

Lauderdale County, Alabama

ZIP code 35677 is located in Waterloo, Alabama, within Lauderdale County. It covers approximately 110.31 square miles and serves a population of 1,891 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 256.

About ZIP code 35677

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $167,200. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($41,923) and mean household income suggests income inequality — a small number of higher earners pull the average up. 43% 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 33 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 35677 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,891

population

110.31

sq mi land

Standard

ZIP type

Central (CT)

timezone

35677 ZIP code map

Cities in ZIP code 35677

Below are the cities the US Postal Service accepts for ZIP code 35677. Using any city not on this list may result in mail delivery delays.

City	Status
Waterloo	Preferred

Nearby ZIP codes

38852 Iuka (12.8 mi) 35616 Cherokee (12.8 mi) 35633 Florence (13.2 mi) 38471 Lutts (15 mi) 38326 Counce (16.9 mi) 38452 Cypress Inn (17.2 mi) 38833 Burnsville (18.2 mi)

Demographics updated 05/2026

Population
Total population	1,891
Population density	17 / sq mi
State FIPS	01
County FIPS	077

Geography
Land area	110.31 sq mi
Water area	16.03 sq mi
Latitude	34.9235
Longitude	-88.0317
Timezone	Central (CT)
Area code	256

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.9%	51.0%	48.3%
$50k – $100k	25.2%	30.4%	29.3%
$100k – $200k	6.9%	15.6%	18.0%
Over $200k	5.9%	3.0%	4.4%

Demographics & statistics

1,891

Population

People per sq mi

43.2

Median age

$41,923

Median household income

$37,314

Per capita income

$167,200

Median home value

$688

Median monthly rent

90.5%

Home ownership

10.2%

Poverty rate

1.4%

Unemployment

977

Housing units

14.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

170

15–19

178

20–24

25–34

35–44

103

45–54

100

55–59

60–64

182

65–74

190

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	364	19.2%
18 and over	1,527	80.8%
65 and over	453	24.0%
Median age	43.2 years

Race & ethnicity

White 99.7%

Asian 0.3%

Two or more races 0.1%

Group	Count	%
White	1,885	99.7%
Asian	5	0.3%
Two or more races	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.9%	51.0%	48.3%
$50k – $100k	25.2%	30.4%	29.3%
$100k – $200k	6.9%	15.6%	18.0%
Over $200k	5.9%	3.0%	4.4%

Under $10k 6.3%

$10k–$15k 4.7%

$15k–$25k 12.6%

$25k–$35k 19.6%

$35k–$50k 17.3%

$50k–$75k 7.5%

$75k–$100k 12.6%

$100k–$150k 8.9%

$150k–$200k 4.5%

$200k+ 6.1%

Range	% of households
Under $10k	6.3%
$10k–$15k	4.7%
$15k–$25k	12.6%
$25k–$35k	19.6%
$35k–$50k	17.3%
$50k–$75k	7.5%
$75k–$100k	12.6%
$100k–$150k	8.9%
$150k–$200k	4.5%
$200k+	6.1%
Median income	$41,923

Housing

Home values

Under $50k 15.5%

$50k–$100k 16.6%

$100k–$150k 17.0%

$150k–$200k 6.5%

$200k–$300k 25.0%

$300k–$500k 6.0%

$500k–$1M 13.4%

Housing overview

Metric	Value
Median home value	$167,200
Median rent / month	$688
Owner occupied	90.5%
Renter occupied	9.5%
Vacant	34.4%
Single-family detached	73.8%
Large apartment buildings	0.0%
Mobile homes	26.0%
Median rooms	6.0
Avg household size (owned)	2.89

Year built

Era	%
2020 or later	0.4%
2010–2019	13.6%
2000–2009	3.9%
1990–1999	14.1%
1980–1989	16.6%
1970–1979	9.5%
1960–1969	24.4%
1950–1959	6.5%
1940–1949	4.6%
1939 or earlier	6.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	3.0%
2 bedrooms	33.5%
3 bedrooms	53.6%
4 bedrooms	2.6%
5+ bedrooms	7.1%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	26.0%
2 vehicles	34.1%
3 or more	39.9%

Heating fuel

Fuel type	%
Utility gas	6.0%
Electricity	73.2%
Propane / LP gas	18.9%
Wood	1.9%

Households & families

Household type	Count	%
Married-couple family	457	66.8%
Cohabiting couple	0	0.0%
Male householder, no spouse	109	15.9%
Female householder, no spouse	118	17.3%
Households with children under 18	192	28.1%
Households with seniors (65+)	268	39.2%
Average household size	2.76

Marital status

Status	Male	Female
Never married	32.8%	34.8%
Married	56.4%	50.6%
Separated	0.0%	0.9%
Widowed	1.9%	7.9%
Divorced	8.8%	5.8%

Education

Less than 9th grade 4.9%

Some HS, no diploma 10.9%

HS graduate 40.5%

Some college, no degree 16.8%

Associate's degree 12.9%

Bachelor's degree 6.9%

Graduate / professional 7.1%

Metric	%
HS diploma or higher	84.2%
Bachelor's or higher	14.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	24	5.1%
Kindergarten	6	1.3%
Elementary school	104	22.0%
High school	216	45.8%
College / grad school	122	25.8%

Employment

Industry of employment

Education & healthcare 31.2%

Manufacturing 18.4%

Retail trade 14.0%

Agriculture & mining 13.9%

Construction 8.5%

Public administration 6.4%

Transportation & utilities 2.0%

Information 1.7%

Other services 1.4%

Arts, food & hospitality 1.3%

Finance & real estate 0.5%

Professional & management 0.5%

Occupation

Category	%
Management, business & arts	36.1%
Service	21.9%
Sales & office	14.2%
Natural resources & construction	8.1%
Production & transportation	19.7%

Employment type

Type	%
Private sector	62.7%
Government	21.5%
Self-employed	15.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	55.8%
Carpool	27.9%
Public transit	0.0%
Walk	0.0%
Work from home	16.3%
Other means	0.0%
Avg commute (minutes)	33.0

Poverty

All people 10.2%

Under 18 years 14.0%

18 and over 9.3%

Married-couple families 4.4%

Female-led households 40.0%

Income support

Source	% of households
Social Security	43.3%
Retirement income	17.4%
Supplemental Security	6.1%
Cash public assistance	1.5%
Food stamps / SNAP	5.4%

Health indicators

Condition	%
Obesity	40.7%
High blood pressure	40.1%
High cholesterol	35.8%
Diabetes	12.8%
Heart disease	8.4%
Stroke	3.9%
Asthma	9.7%
Arthritis	33.2%
Kidney disease	3.3%
Pulmonary disease	10.6%
Cancer	7.0%

Behavior / access	%
Smoking	22.9%
Binge drinking	15.2%
No physical activity	29.9%
Less than 7 hrs sleep	39.9%
Depression	27.4%
Fair or poor health	20.9%
Poor mental health	17.1%
Poor physical health	13.5%
No health insurance	17.1%
Visited doctor (checkup)	73.4%
Visited dentist	55.5%
Cholesterol screening	89.0%
Teeth loss	18.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	16	1.0%

Disability	%
Any disability	16.5%
Under 18	0.0%
18–64 years	7.9%
65 and over	50.1%

Health insurance coverage

Type	%
Private insurance	70.2%
Public insurance	38.1%
No insurance	1.4%
Uninsured under 19	2.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,862	98.5%
Spanish	6	0.3%
Other Indo-European	0	0.0%
Asian & Pacific Islander	1	0.1%
Other languages	5	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,886	99.7%
Born in same state	1,886	99.7%
Born in different state	1,649	87.2%
Foreign born	0	0.0%
Naturalized citizen	5	0.3%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	731	38.7%
French	168	8.9%

Ancestry	Count	%
Italian	55	2.9%
English	43	2.3%

Technology access

Metric	% of households
Computer access	36.2%
Internet access	78.5%

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

Frequently asked questions about ZIP code 35677

What city is ZIP code 35677 in?

ZIP code 35677 is primarily assigned to Waterloo, Alabama.

What county is ZIP code 35677 in?

ZIP code 35677 falls within Lauderdale County, Alabama.

Is ZIP code 35677 mostly owner-occupied?

91% of occupied units in ZIP code 35677 are owner-occupied, well above the national average.

How educated is the population of ZIP code 35677?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 35677 have a large retiree population?

43% of households in ZIP code 35677 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 35677?

The median home value in ZIP code 35677 is $167,200.

What timezone is ZIP code 35677 in?

ZIP code 35677 observes the CST timezone.