62298 ZIP Code — Waterloo, IL

Monroe County, Illinois

ZIP code 62298 is located in Waterloo, Illinois, within Monroe County. It covers approximately 143.03 square miles and serves a population of 17,192 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 618.

About ZIP code 62298

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $246,600. Owner-occupancy is high at 84%, well above the national average.

Median household income is $93,066. The poverty rate of 4% is below the national average. 38% 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 30 minutes is near the national average.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Overall, ZIP code 62298 reflects a community defined by high homeownership and a significant Social Security-dependent population.

17,192

population

143.03

sq mi land

Standard

ZIP type

Central (CT)

timezone

62298 ZIP code map

Cities in ZIP code 62298

Below are the cities the US Postal Service accepts for ZIP code 62298. Using any city not on this list may result in mail delivery delays.

City	Status
Waterloo	Acceptable
Waterloo	Preferred

Nearby ZIP codes

62244 Fults (9.1 mi) 62295 Valmeyer (9.1 mi) 62285 Smithton (9.9 mi) 62236 Columbia (10.1 mi) 62278 Red Bud (10.7 mi) 62260 Millstadt (11.2 mi) 62264 New Athens (12.4 mi) 63019 Crystal City (13.1 mi) 63129 Saint Louis (13.4 mi) 63048 Herculaneum (13.5 mi) 63070 Pevely (14.7 mi) 62239 Dupo (14.7 mi)

Demographics updated 05/2026

Population
Total population	17,192
Population density	120 / sq mi
State FIPS	17
County FIPS	133

Geography
Land area	143.03 sq mi
Water area	1.58 sq mi
Latitude	38.3075
Longitude	-90.1547
Timezone	Central (CT)
Area code	618

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.2%	26.5%	37.2%
$50k – $100k	31.4%	29.3%	29.6%
$100k – $200k	32.5%	33.9%	24.4%
Over $200k	7.0%	10.3%	8.8%

Demographics & statistics

17,192

Population

120

People per sq mi

43.4

Median age

$93,066

Median household income

$45,786

Per capita income

$246,600

Median home value

$856

Median monthly rent

83.8%

Home ownership

3.9%

Poverty rate

2.1%

Unemployment

6,251

Housing units

33.7%

Bachelor's or higher

Age distribution

Male Female

425

Under 5

423

401

5–9

399

554

10–14

552

486

15–19

484

572

20–24

571

841

25–34

838

1,130

35–44

1,127

1,109

45–54

1,106

685

55–59

682

694

60–64

691

1,045

65–74

1,041

415

75–84

413

254

85+

254

← Male

Female →

Age summary

Group	Count	%
Under 18	3,295	19.2%
18 and over	13,897	80.8%
65 and over	3,422	19.9%
Median age	43.4 years

Race & ethnicity

White 96.7%

Asian 1%

Two or more races 0.8%

Black or African American 0.6%

Hispanic or Latino 0.6%

American Indian / Alaska Native 0.2%

Other race 0.1%

Group	Count	%
White	16,711	96.7%
Asian	174	1%
Two or more races	144	0.8%
Black or African American	98	0.6%
Hispanic or Latino	96	0.6%
American Indian / Alaska Native	40	0.2%
Other race	25	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.2%	26.5%	37.2%
$50k – $100k	31.4%	29.3%	29.6%
$100k – $200k	32.5%	33.9%	24.4%
Over $200k	7.0%	10.3%	8.8%

Under $10k 2.3%

$10k–$15k 2.0%

$15k–$25k 9.0%

$25k–$35k 3.2%

$35k–$50k 8.0%

$50k–$75k 14.4%

$75k–$100k 14.1%

$100k–$150k 21.8%

$150k–$200k 13.4%

$200k+ 11.7%

Range	% of households
Under $10k	2.3%
$10k–$15k	2.0%
$15k–$25k	9.0%
$25k–$35k	3.2%
$35k–$50k	8.0%
$50k–$75k	14.4%
$75k–$100k	14.1%
$100k–$150k	21.8%
$150k–$200k	13.4%
$200k+	11.7%
Median income	$93,066

Housing

Home values

Under $50k 1.9%

$50k–$100k 2.8%

$100k–$150k 10.5%

$150k–$200k 19.0%

$200k–$300k 31.5%

$300k–$500k 29.1%

$500k–$1M 4.7%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$246,600
Median rent / month	$856
Owner occupied	83.8%
Renter occupied	16.2%
Vacant	6.8%
Single-family detached	82.6%
Large apartment buildings	1.5%
Mobile homes	1.3%
Median rooms	6.1
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	0.2%
2010–2019	12.5%
2000–2009	18.9%
1990–1999	19.9%
1980–1989	7.0%
1970–1979	9.2%
1960–1969	9.3%
1950–1959	8.5%
1940–1949	4.8%
1939 or earlier	9.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	5.7%
2 bedrooms	22.0%
3 bedrooms	46.7%
4 bedrooms	18.3%
5+ bedrooms	6.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.3%
1 vehicle	21.2%
2 vehicles	43.6%
3 or more	30.9%

Heating fuel

Fuel type	%
Utility gas	45.9%
Electricity	27.7%
Propane / LP gas	23.7%
Wood	1.8%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	4,086	59.5%
Cohabiting couple	399	5.8%
Male householder, no spouse	969	14.1%
Female householder, no spouse	1,408	20.5%
Households with children under 18	1,931	28.1%
Households with seniors (65+)	2,439	35.5%
Average household size	2.48

Marital status

Status	Male	Female
Never married	27.9%	19.1%
Married	56.4%	57.4%
Separated	0.3%	1.4%
Widowed	4.8%	10.5%
Divorced	10.6%	11.6%

Education

Less than 9th grade 0.6%

Some HS, no diploma 4.0%

HS graduate 26.8%

Some college, no degree 23.8%

Associate's degree 11.1%

Bachelor's degree 22.6%

Graduate / professional 11.1%

Metric	%
HS diploma or higher	95.4%
Bachelor's or higher	33.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	303	8.7%
Kindergarten	182	5.2%
Elementary school	1,439	41.1%
High school	786	22.5%
College / grad school	790	22.6%

Employment

Industry of employment

Education & healthcare 24.2%

Retail trade 12.9%

Manufacturing 11.4%

Finance & real estate 10.1%

Arts, food & hospitality 8.8%

Professional & management 7.1%

Transportation & utilities 7.0%

Construction 5.2%

Public administration 3.7%

Agriculture & mining 3.2%

Other services 2.9%

Wholesale trade 2.0%

Information 1.4%

Occupation

Category	%
Management, business & arts	44.8%
Service	12.7%
Sales & office	23.8%
Natural resources & construction	8.2%
Production & transportation	10.4%

Employment type

Type	%
Private sector	82.8%
Government	13.3%
Self-employed	3.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.6%
Carpool	6.5%
Public transit	0.0%
Walk	2.2%
Work from home	9.7%
Other means	2.0%
Avg commute (minutes)	30.4

Poverty

All people 3.9%

Under 18 years 4.8%

18 and over 3.7%

Married-couple families 1.8%

Female-led households 15.2%

Income support

Source	% of households
Social Security	37.5%
Retirement income	31.4%
Supplemental Security	4.5%
Cash public assistance	2.1%
Food stamps / SNAP	6.4%

Health indicators

Condition	%
Obesity	35.4%
High blood pressure	31.2%
High cholesterol	32.6%
Diabetes	8.7%
Heart disease	5.8%
Stroke	2.6%
Asthma	9.1%
Arthritis	25.1%
Kidney disease	2.5%
Pulmonary disease	5.9%
Cancer	7.1%

Behavior / access	%
Smoking	15.5%
Binge drinking	16.1%
No physical activity	20.8%
Less than 7 hrs sleep	30.8%
Depression	17.0%
Fair or poor health	11.1%
Poor mental health	11.9%
Poor physical health	8.4%
No health insurance	8.6%
Visited doctor (checkup)	77.0%
Visited dentist	71.1%
Cholesterol screening	91.1%
Teeth loss	11.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,265	9.1%

Disability	%
Any disability	11.8%
Under 18	4.2%
18–64 years	8.2%
65 and over	30.5%

Health insurance coverage

Type	%
Private insurance	83.8%
Public insurance	28.9%
No insurance	2.1%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,344	95.1%
Spanish	83	0.5%
Other Indo-European	23	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	60	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,006	98.9%
Born in same state	16,946	98.6%
Born in different state	10,345	60.2%
Foreign born	60	0.3%
Naturalized citizen	186	1.1%
Not a US citizen	146	78.5%

Ancestry

Ancestry	Count	%
Italian	2,284	13.3%
French	1,521	8.8%
Arab	799	4.6%
English	136	0.8%
German	78	0.5%

Ancestry	Count	%
Dutch	56	0.3%
Irish	38	0.2%
Polish	20	0.1%
Norwegian	18	0.1%

Technology access

Metric	% of households
Computer access	39.9%
Internet access	92.0%

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

Frequently asked questions about ZIP code 62298

What city is ZIP code 62298 in?

ZIP code 62298 is primarily assigned to Waterloo, Illinois.

What county is ZIP code 62298 in?

ZIP code 62298 falls within Monroe County, Illinois.

Is ZIP code 62298 mostly owner-occupied?

84% of occupied units in ZIP code 62298 are owner-occupied, well above the national average.

Does ZIP code 62298 have a large retiree population?

38% of households in ZIP code 62298 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 62298 have a large veteran population?

9% of civilians in ZIP code 62298 are veterans, above the national average of ~7%.

What is the population of ZIP code 62298?

ZIP code 62298 has an estimated population of 17,192 residents, with a density of 120 people per square mile.

What timezone is ZIP code 62298 in?

ZIP code 62298 observes the CST timezone.