50703 ZIP Code — Waterloo, IA

Black Hawk County, Iowa

ZIP code 50703 is located in Waterloo, Iowa, within Black Hawk County. It covers approximately 93.23 square miles and serves a population of 18,587 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 319.

About ZIP code 50703

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 $86,800. Owner-occupancy sits near the national average at 57%.

Median household income is $44,834. Poverty affects 21% of residents, above the national average. SNAP benefit usage at 26% of households reflects economic stress in the area. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 17 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (47%), smoking (25%) compared to national benchmarks.

Overall, ZIP code 50703 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

18,587

population

93.23

sq mi land

Standard

ZIP type

Central (CT)

timezone

50703 ZIP code map

Cities in ZIP code 50703

Below are the cities the US Postal Service accepts for ZIP code 50703. Using any city not on this list may result in mail delivery delays.

City	Status
Waterloo	Preferred

Nearby ZIP codes

50626 Dunkerton (4.4 mi) 50707 Evansdale (5.2 mi) 50667 Raymond (6 mi) 50702 Waterloo (7.2 mi) 50622 Denver (9 mi) 50701 Waterloo (9.1 mi) 50668 Readlyn (9.4 mi) 50614 Cedar Falls (10.7 mi) 50648 Jesup (10.8 mi) 50629 Fairbank (11.7 mi) 50613 Cedar Falls (12.2 mi) 50647 Janesville (12.9 mi)

Demographics updated 05/2026

Population
Total population	18,587
Population density	199 / sq mi
State FIPS	19
County FIPS	013

Geography
Land area	93.23 sq mi
Water area	0.97 sq mi
Latitude	42.5551
Longitude	-92.2576
Timezone	Central (CT)
Area code	319

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.6%	45.5%	40.1%
$50k – $100k	29.5%	31.6%	33.4%
$100k – $200k	6.3%	18.4%	21.5%
Over $200k	0.5%	4.5%	5.0%

Demographics & statistics

18,587

Population

199

People per sq mi

37.2

Median age

$44,834

Median household income

$24,200

Per capita income

$86,800

Median home value

$915

Median monthly rent

56.9%

Home ownership

20.9%

Poverty rate

12.9%

Unemployment

5,578

Housing units

12.6%

Bachelor's or higher

Age distribution

Male Female

693

Under 5

689

604

5–9

599

618

10–14

613

557

15–19

553

735

20–24

730

1,144

25–34

1,137

1,314

35–44

1,305

911

45–54

905

547

55–59

544

739

60–64

733

919

65–74

913

396

75–84

394

148

85+

147

← Male

Female →

Age summary

Group	Count	%
Under 18	4,579	24.6%
18 and over	14,008	75.4%
65 and over	2,917	15.7%
Median age	37.2 years

Race & ethnicity

White 57%

Black or African American 26.2%

Two or more races 6.1%

Hispanic or Latino 5.1%

Other race 3.8%

Asian 0.9%

Native Hawaiian / Pacific Islander 0.6%

American Indian / Alaska Native 0.4%

Group	Count	%
White	11,156	57%
Black or African American	5,136	26.2%
Two or more races	1,187	6.1%
Hispanic or Latino	992	5.1%
Other race	736	3.8%
Asian	170	0.9%
Native Hawaiian / Pacific Islander	125	0.6%
American Indian / Alaska Native	77	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.6%	45.5%	40.1%
$50k – $100k	29.5%	31.6%	33.4%
$100k – $200k	6.3%	18.4%	21.5%
Over $200k	0.5%	4.5%	5.0%

Under $10k 6.0%

$10k–$15k 9.2%

$15k–$25k 13.7%

$25k–$35k 12.1%

$35k–$50k 13.6%

$50k–$75k 18.8%

$75k–$100k 12.1%

$100k–$150k 10.9%

$150k–$200k 2.7%

$200k+ 1.0%

Range	% of households
Under $10k	6.0%
$10k–$15k	9.2%
$15k–$25k	13.7%
$25k–$35k	12.1%
$35k–$50k	13.6%
$50k–$75k	18.8%
$75k–$100k	12.1%
$100k–$150k	10.9%
$150k–$200k	2.7%
$200k+	1.0%
Median income	$44,834

Housing

Home values

Under $50k 14.9%

$50k–$100k 43.0%

$100k–$150k 16.3%

$150k–$200k 10.9%

$200k–$300k 9.2%

$300k–$500k 2.9%

$500k–$1M 1.8%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$86,800
Median rent / month	$915
Owner occupied	56.9%
Renter occupied	43.1%
Vacant	14.0%
Single-family detached	79.5%
Large apartment buildings	5.9%
Mobile homes	3.2%
Median rooms	5.1
Avg household size (owned)	2.45

Year built

Era	%
2020 or later	0.2%
2010–2019	5.8%
2000–2009	4.2%
1990–1999	2.9%
1980–1989	5.5%
1970–1979	6.7%
1960–1969	10.6%
1950–1959	16.7%
1940–1949	8.9%
1939 or earlier	38.4%

Bedrooms

Size	% of units
No bedroom (studio)	2.6%
1 bedroom	12.6%
2 bedrooms	37.7%
3 bedrooms	36.5%
4 bedrooms	9.0%
5+ bedrooms	1.5%

Vehicles per household

Vehicles	% of households
No vehicle	13.4%
1 vehicle	35.0%
2 vehicles	31.6%
3 or more	19.9%

Heating fuel

Fuel type	%
Utility gas	70.4%
Electricity	20.7%
Propane / LP gas	6.6%
Fuel oil	0.2%
Wood	0.5%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	2,506	32.9%
Cohabiting couple	730	9.6%
Male householder, no spouse	1,751	23.0%
Female householder, no spouse	2,624	34.5%
Households with children under 18	2,090	27.5%
Households with seniors (65+)	2,147	28.2%
Average household size	2.37

Marital status

Status	Male	Female
Never married	46.8%	38.8%
Married	35.8%	35.8%
Separated	2.5%	3.4%
Widowed	3.9%	8.3%
Divorced	10.9%	13.8%

Education

Less than 9th grade 4.4%

Some HS, no diploma 9.7%

HS graduate 37.5%

Some college, no degree 25.9%

Associate's degree 10.0%

Bachelor's degree 8.3%

Graduate / professional 4.3%

Metric	%
HS diploma or higher	86.0%
Bachelor's or higher	12.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	286	7.3%
Kindergarten	253	6.4%
Elementary school	2,027	51.4%
High school	947	24.0%
College / grad school	430	10.9%

Employment

Industry of employment

Manufacturing 27.3%

Education & healthcare 15.3%

Arts, food & hospitality 12.6%

Retail trade 11.6%

Construction 8.7%

Professional & management 5.3%

Transportation & utilities 4.9%

Other services 4.7%

Finance & real estate 3.5%

Wholesale trade 2.8%

Public administration 1.2%

Agriculture & mining 0.9%

Information 0.9%

Occupation

Category	%
Management, business & arts	19.2%
Service	18.0%
Sales & office	18.6%
Natural resources & construction	9.8%
Production & transportation	34.4%

Employment type

Type	%
Private sector	86.1%
Government	7.9%
Self-employed	5.9%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	75.1%
Carpool	14.9%
Public transit	0.4%
Walk	1.2%
Work from home	5.6%
Other means	2.9%
Avg commute (minutes)	17.1

Poverty

All people 20.9%

Under 18 years 29.7%

18 and over 18.0%

Married-couple families 7.7%

Female-led households 26.2%

Income support

Source	% of households
Social Security	39.8%
Retirement income	22.2%
Supplemental Security	9.7%
Cash public assistance	2.3%
Food stamps / SNAP	25.9%

Health indicators

Condition	%
Obesity	47.3%
High blood pressure	40.0%
High cholesterol	31.9%
Diabetes	14.6%
Heart disease	7.5%
Stroke	4.6%
Asthma	11.4%
Arthritis	26.9%
Kidney disease	3.8%
Pulmonary disease	9.3%
Cancer	5.8%

Behavior / access	%
Smoking	24.7%
Binge drinking	20.1%
No physical activity	33.5%
Less than 7 hrs sleep	38.5%
Depression	19.3%
Fair or poor health	21.7%
Poor mental health	16.5%
Poor physical health	13.6%
No health insurance	14.6%
Visited doctor (checkup)	78.3%
Visited dentist	55.2%
Cholesterol screening	85.2%
Teeth loss	22.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	942	6.7%

Disability	%
Any disability	20.4%
Under 18	8.7%
18–64 years	18.1%
65 and over	48.2%

Health insurance coverage

Type	%
Private insurance	49.5%
Public insurance	58.1%
No insurance	5.6%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,205	92.6%
Spanish	764	4.4%
Other Indo-European	466	2.7%
Asian & Pacific Islander	143	0.8%
Other languages	131	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,518	94.2%
Born in same state	17,451	93.9%
Born in different state	13,319	71.7%
Foreign born	67	0.4%
Naturalized citizen	1,069	5.8%
Not a US citizen	461	43.1%

Ancestry

Ancestry	Count	%
Italian	1,388	7.5%
French	1,104	5.9%
Arab	907	4.9%
Polish	219	1.2%

Ancestry	Count	%
English	212	1.1%
Dutch	64	0.3%
German	12	0.1%
Irish	10	0.1%

Technology access

Metric	% of households
Computer access	40.9%
Internet access	88.0%

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

Frequently asked questions about ZIP code 50703

What city is ZIP code 50703 in?

ZIP code 50703 is primarily assigned to Waterloo, Iowa.

What county is ZIP code 50703 in?

ZIP code 50703 falls within Black Hawk County, Iowa.

What is the poverty rate in ZIP code 50703?

21% of residents in ZIP code 50703 live below the poverty line, above the national average.

How educated is the population of ZIP code 50703?

13% 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 50703 have a large retiree population?

40% of households in ZIP code 50703 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 50703?

The median home value in ZIP code 50703 is $86,800.

What timezone is ZIP code 50703 in?

ZIP code 50703 observes the CST timezone.