68069 ZIP Code — Waterloo, NE

Douglas County, Nebraska

ZIP code 68069 is located in Waterloo, Nebraska, within Douglas County. It covers approximately 29.82 square miles and serves a population of 3,237 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402.

About ZIP code 68069

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $371,000. Owner-occupancy is high at 88%, well above the national average.

The gap between median ($108,394) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 42% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 45% of residents holding a bachelor's degree or higher.

Overall, ZIP code 68069 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,237

population

29.82

sq mi land

Standard

ZIP type

Central (CT)

timezone

68069 ZIP code map

Cities in ZIP code 68069

Below are the cities the US Postal Service accepts for ZIP code 68069. Using any city not on this list may result in mail delivery delays.

City	Status
Waterloo	Preferred

Nearby ZIP codes

68073 Yutan (4.6 mi) 68022 Elkhorn (5.5 mi) 68135 Omaha (6.5 mi) 68130 Omaha (6.7 mi) 68136 Omaha (7.6 mi) 68118 Omaha (8 mi) 68028 Gretna (8.6 mi) 68064 Valley (9.4 mi) 68116 Omaha (9.8 mi) 68003 Ashland (10 mi) 68041 Mead (10.1 mi) 68138 Omaha (10.2 mi)

Demographics updated 05/2026

Population
Total population	3,237
Population density	109 / sq mi
State FIPS	31
County FIPS	055

Geography
Land area	29.82 sq mi
Water area	4.72 sq mi
Latitude	41.2158
Longitude	-96.3196
Timezone	Central (CT)
Area code	402

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.5%	37.2%	39.5%
$50k – $100k	42.2%	32.2%	33.4%
$100k – $200k	19.4%	23.2%	22.0%
Over $200k	18.0%	7.4%	5.2%

Demographics & statistics

3,237

Population

109

People per sq mi

53.1

Median age

$108,394

Median household income

$94,953

Per capita income

$371,000

Median home value

$1,061

Median monthly rent

87.7%

Home ownership

4.4%

Poverty rate

9.3%

Unemployment

1,341

Housing units

44.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

100

5–9

152

10–14

132

15–19

20–24

25–34

211

35–44

182

233

45–54

202

119

55–59

103

200

60–64

173

360

65–74

312

110

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	639	19.7%
18 and over	2,598	80.3%
65 and over	905	28.0%
Median age	53.1 years

Race & ethnicity

White 94.2%

Two or more races 3.7%

Hispanic or Latino 1.3%

Black or African American 0.6%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	3,092	94.2%
Two or more races	122	3.7%
Hispanic or Latino	44	1.3%
Black or African American	21	0.6%
Native Hawaiian / Pacific Islander	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.5%	37.2%	39.5%
$50k – $100k	42.2%	32.2%	33.4%
$100k – $200k	19.4%	23.2%	22.0%
Over $200k	18.0%	7.4%	5.2%

Under $10k 4.7%

$10k–$15k 1.2%

$15k–$25k 1.6%

$25k–$35k 2.1%

$35k–$50k 2.9%

$50k–$75k 15.8%

$75k–$100k 13.1%

$100k–$150k 27.8%

$150k–$200k 10.6%

$200k+ 20.2%

Range	% of households
Under $10k	4.7%
$10k–$15k	1.2%
$15k–$25k	1.6%
$25k–$35k	2.1%
$35k–$50k	2.9%
$50k–$75k	15.8%
$75k–$100k	13.1%
$100k–$150k	27.8%
$150k–$200k	10.6%
$200k+	20.2%
Median income	$108,394

Housing

Home values

Under $50k 2.2%

$50k–$100k 4.9%

$100k–$150k 8.0%

$150k–$200k 7.3%

$200k–$300k 16.6%

$300k–$500k 24.9%

$500k–$1M 18.7%

$1M+ 17.4%

Housing overview

Metric	Value
Median home value	$371,000
Median rent / month	$1,061
Owner occupied	87.7%
Renter occupied	12.3%
Vacant	9.6%
Single-family detached	93.8%
Large apartment buildings	0.1%
Mobile homes	0.0%
Median rooms	6.6
Avg household size (owned)	2.42

Year built

Era	%
2020 or later	0.3%
2010–2019	12.8%
2000–2009	14.7%
1990–1999	7.2%
1980–1989	15.5%
1970–1979	17.4%
1960–1969	8.4%
1950–1959	5.6%
1940–1949	4.6%
1939 or earlier	13.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	8.4%
2 bedrooms	20.2%
3 bedrooms	42.2%
4 bedrooms	14.7%
5+ bedrooms	13.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.1%
1 vehicle	15.6%
2 vehicles	51.9%
3 or more	29.4%

Heating fuel

Fuel type	%
Utility gas	42.3%
Electricity	42.9%
Propane / LP gas	12.5%
Fuel oil	1.3%
Wood	0.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	902	66.2%
Cohabiting couple	125	9.2%
Male householder, no spouse	169	12.4%
Female householder, no spouse	167	12.3%
Households with children under 18	299	21.9%
Households with seniors (65+)	559	41.0%
Average household size	2.37

Marital status

Status	Male	Female
Never married	22.1%	13.7%
Married	68.1%	67.3%
Separated	0.0%	0.1%
Widowed	0.3%	7.7%
Divorced	9.5%	11.2%

Education

Less than 9th grade 0.3%

Some HS, no diploma 2.1%

HS graduate 20.3%

Some college, no degree 25.0%

Associate's degree 7.4%

Bachelor's degree 33.6%

Graduate / professional 11.2%

Metric	%
HS diploma or higher	97.5%
Bachelor's or higher	44.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	34	4.7%
Kindergarten	63	8.7%
Elementary school	372	51.2%
High school	147	20.2%
College / grad school	110	15.2%

Employment

Industry of employment

Education & healthcare 25.1%

Professional & management 14.9%

Manufacturing 11.4%

Construction 11.2%

Retail trade 8.5%

Finance & real estate 6.4%

Arts, food & hospitality 5.0%

Transportation & utilities 4.7%

Wholesale trade 3.5%

Public administration 2.9%

Other services 2.7%

Agriculture & mining 2.2%

Information 1.6%

Occupation

Category	%
Management, business & arts	50.7%
Service	14.3%
Sales & office	17.0%
Natural resources & construction	9.5%
Production & transportation	8.5%

Employment type

Type	%
Private sector	81.2%
Government	11.4%
Self-employed	7.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.5%
Carpool	8.1%
Public transit	0.6%
Walk	1.5%
Work from home	8.9%
Other means	1.5%
Avg commute (minutes)	23.2

Poverty

All people 4.4%

Under 18 years 4.9%

18 and over 4.3%

Married-couple families 0.8%

Female-led households 23.5%

Income support

Source	% of households
Social Security	42.4%
Retirement income	32.6%
Supplemental Security	1.8%
Cash public assistance	0.7%
Food stamps / SNAP	2.8%

Health indicators

Condition	%
Obesity	33.7%
High blood pressure	31.6%
High cholesterol	36.0%
Diabetes	9.6%
Heart disease	5.4%
Stroke	2.5%
Asthma	7.8%
Arthritis	24.1%
Kidney disease	2.6%
Pulmonary disease	5.0%
Cancer	7.2%

Behavior / access	%
Smoking	14.2%
Binge drinking	21.2%
No physical activity	18.4%
Less than 7 hrs sleep	26.7%
Depression	17.9%
Fair or poor health	9.3%
Poor mental health	11.3%
Poor physical health	8.0%
No health insurance	11.4%
Visited doctor (checkup)	73.5%
Visited dentist	72.3%
Cholesterol screening	91.7%
Teeth loss	7.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	183	7.1%

Disability	%
Any disability	13.0%
Under 18	2.7%
18–64 years	7.1%
65 and over	31.4%

Health insurance coverage

Type	%
Private insurance	75.1%
Public insurance	31.2%
No insurance	5.6%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,192	98.6%
Spanish	14	0.4%
Other Indo-European	14	0.4%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,189	98.5%
Born in same state	3,189	98.5%
Born in different state	2,089	64.5%
Foreign born	0	0.0%
Naturalized citizen	48	1.5%
Not a US citizen	15	31.3%

Ancestry

Ancestry	Count	%
Italian	700	21.6%
French	486	15%
English	276	8.5%
Arab	82	2.5%

Ancestry	Count	%
Dutch	75	2.3%
Polish	15	0.5%
Norwegian	10	0.3%
German	7	0.2%

Technology access

Metric	% of households
Computer access	42.1%
Internet access	95.2%

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

Frequently asked questions about ZIP code 68069

What city is ZIP code 68069 in?

ZIP code 68069 is primarily assigned to Waterloo, Nebraska.

What county is ZIP code 68069 in?

ZIP code 68069 falls within Douglas County, Nebraska.

Does ZIP code 68069 have an older population?

28% of residents in ZIP code 68069 are 65 or older, above the national average of ~17%.

Is ZIP code 68069 mostly owner-occupied?

88% of occupied units in ZIP code 68069 are owner-occupied, well above the national average.

Does ZIP code 68069 have a large retiree population?

42% of households in ZIP code 68069 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 68069?

The median home value in ZIP code 68069 is $371,000.

What timezone is ZIP code 68069 in?

ZIP code 68069 observes the CST timezone.