13165 ZIP Code — Waterloo, NY

Seneca County, New York

ZIP code 13165 is located in Waterloo, New York, within Seneca County. It covers approximately 68.23 square miles and serves a population of 9,511 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 315.

About ZIP code 13165

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $113,600. Owner-occupancy sits near the national average at 69%.

Median household income is $64,668. 40% 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.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 13165 reflects a community defined by a trades-oriented workforce, a strong veteran community, and a significant Social Security-dependent population.

9,511

population

68.23

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

13165 ZIP code map

Cities in ZIP code 13165

Below are the cities the US Postal Service accepts for ZIP code 13165. Using any city not on this list may result in mail delivery delays.

City	Status
Waterloo	Acceptable
Waterloo	Preferred

Nearby ZIP codes

13148 Seneca Falls (5.1 mi) 14456 Geneva (6.9 mi) 14532 Phelps (7.7 mi) 13034 Cayuga (10.1 mi) 14433 Clyde (11.2 mi) 14541 Romulus (11.7 mi) 13160 Union Springs (12.4 mi) 14415 Bellona (13 mi) 14489 Lyons (13.2 mi) 13146 Savannah (13.6 mi) 14561 Stanley (14 mi) 14432 Clifton Springs (14 mi)

Demographics updated 06/2026

Population
Total population	9,511
Population density	139 / sq mi
State FIPS	36
County FIPS	099

Geography
Land area	68.23 sq mi
Water area	0.34 sq mi
Latitude	42.9129
Longitude	-76.8822
Timezone	Eastern (ET)
Area code	315

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.4%	45.8%	37.0%
$50k – $100k	34.6%	34.4%	27.0%
$100k – $200k	15.6%	16.3%	24.4%
Over $200k	4.4%	3.6%	11.5%

Demographics & statistics

9,511

Population

139

People per sq mi

47.0

Median age

$64,668

Median household income

$34,097

Per capita income

$113,600

Median home value

$874

Median monthly rent

69.2%

Home ownership

11.1%

Poverty rate

5.9%

Unemployment

3,215

Housing units

18.5%

Bachelor's or higher

Age distribution

Male Female

297

Under 5

297

216

5–9

216

256

10–14

256

270

15–19

271

237

20–24

238

563

25–34

564

428

35–44

428

706

45–54

706

300

55–59

301

458

60–64

459

552

65–74

553

309

75–84

310

160

85+

160

← Male

Female →

Age summary

Group	Count	%
Under 18	1,879	19.8%
18 and over	7,632	80.2%
65 and over	2,044	21.5%
Median age	47.0 years

Race & ethnicity

White 86.6%

Two or more races 5.9%

Hispanic or Latino 4.2%

Black or African American 1.6%

Other race 1.1%

Asian 0.5%

American Indian / Alaska Native 0.3%

Group	Count	%
White	8,596	86.6%
Two or more races	581	5.9%
Hispanic or Latino	412	4.2%
Black or African American	155	1.6%
Other race	105	1.1%
Asian	45	0.5%
American Indian / Alaska Native	29	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.4%	45.8%	37.0%
$50k – $100k	34.6%	34.4%	27.0%
$100k – $200k	15.6%	16.3%	24.4%
Over $200k	4.4%	3.6%	11.5%

Under $10k 4.6%

$10k–$15k 6.1%

$15k–$25k 8.9%

$25k–$35k 9.4%

$35k–$50k 12.1%

$50k–$75k 20.3%

$75k–$100k 14.6%

$100k–$150k 11.5%

$150k–$200k 6.0%

$200k+ 6.4%

Range	% of households
Under $10k	4.6%
$10k–$15k	6.1%
$15k–$25k	8.9%
$25k–$35k	9.4%
$35k–$50k	12.1%
$50k–$75k	20.3%
$75k–$100k	14.6%
$100k–$150k	11.5%
$150k–$200k	6.0%
$200k+	6.4%
Median income	$64,668

Housing

Home values

Under $50k 9.1%

$50k–$100k 30.3%

$100k–$150k 26.8%

$150k–$200k 15.4%

$200k–$300k 11.8%

$300k–$500k 4.5%

$500k–$1M 2.0%

Housing overview

Metric	Value
Median home value	$113,600
Median rent / month	$874
Owner occupied	69.2%
Renter occupied	30.8%
Vacant	8.3%
Single-family detached	66.3%
Large apartment buildings	1.2%
Mobile homes	15.3%
Median rooms	6.2
Avg household size (owned)	2.42

Year built

Era	%
2020 or later	0.3%
2010–2019	3.3%
2000–2009	6.7%
1990–1999	8.8%
1980–1989	8.9%
1970–1979	10.7%
1960–1969	8.6%
1950–1959	11.6%
1940–1949	6.3%
1939 or earlier	34.7%

Bedrooms

Size	% of units
No bedroom (studio)	2.3%
1 bedroom	5.8%
2 bedrooms	27.9%
3 bedrooms	43.2%
4 bedrooms	15.3%
5+ bedrooms	5.4%

Vehicles per household

Vehicles	% of households
No vehicle	7.5%
1 vehicle	35.5%
2 vehicles	40.0%
3 or more	16.9%

Heating fuel

Fuel type	%
Utility gas	62.9%
Electricity	14.6%
Propane / LP gas	10.2%
Fuel oil	5.8%
Wood	3.2%

Households & families

Household type	Count	%
Married-couple family	1,800	43.8%
Cohabiting couple	359	8.7%
Male householder, no spouse	887	21.6%
Female householder, no spouse	1,062	25.9%
Households with children under 18	900	21.9%
Households with seniors (65+)	1,371	33.4%
Average household size	2.24

Marital status

Status	Male	Female
Never married	34.2%	25.3%
Married	48.0%	45.5%
Separated	1.4%	3.1%
Widowed	4.8%	11.2%
Divorced	11.6%	14.9%

Education

Less than 9th grade 3.7%

Some HS, no diploma 5.8%

HS graduate 35.6%

Some college, no degree 17.8%

Associate's degree 18.6%

Bachelor's degree 11.9%

Graduate / professional 6.5%

Metric	%
HS diploma or higher	90.5%
Bachelor's or higher	18.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	180	9.2%
Kindergarten	53	2.7%
Elementary school	845	43.2%
High school	371	19.0%
College / grad school	505	25.8%

Employment

Industry of employment

Education & healthcare 28.0%

Manufacturing 18.7%

Arts, food & hospitality 8.4%

Retail trade 7.2%

Public administration 6.4%

Construction 5.9%

Information 5.0%

Finance & real estate 4.7%

Agriculture & mining 3.9%

Other services 3.6%

Transportation & utilities 3.4%

Professional & management 2.7%

Wholesale trade 2.1%

Occupation

Category	%
Management, business & arts	30.8%
Service	21.0%
Sales & office	18.1%
Natural resources & construction	15.1%
Production & transportation	15.0%

Employment type

Type	%
Private sector	79.7%
Government	16.1%
Self-employed	4.1%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.6%
Carpool	8.5%
Public transit	1.1%
Walk	2.0%
Work from home	6.0%
Other means	2.9%
Avg commute (minutes)	21.1

Poverty

All people 11.1%

Under 18 years 10.3%

18 and over 11.3%

Married-couple families 2.0%

Female-led households 14.1%

Income support

Source	% of households
Social Security	40.0%
Retirement income	32.3%
Supplemental Security	7.2%
Cash public assistance	5.0%
Food stamps / SNAP	10.5%

Health indicators

Condition	%
Obesity	32.8%
High blood pressure	32.0%
High cholesterol	34.1%
Diabetes	9.8%
Heart disease	7.4%
Stroke	3.4%
Asthma	10.4%
Arthritis	27.3%
Kidney disease	3.2%
Pulmonary disease	8.0%
Cancer	7.7%

Behavior / access	%
Smoking	17.9%
Binge drinking	16.5%
No physical activity	25.8%
Less than 7 hrs sleep	35.2%
Depression	21.6%
Fair or poor health	13.6%
Poor mental health	14.5%
Poor physical health	10.8%
No health insurance	10.9%
Visited doctor (checkup)	78.9%
Visited dentist	67.0%
Cholesterol screening	90.7%
Teeth loss	15.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	886	11.6%

Disability	%
Any disability	18.9%
Under 18	7.4%
18–64 years	15.4%
65 and over	40.9%

Health insurance coverage

Type	%
Private insurance	67.8%
Public insurance	46.6%
No insurance	4.4%
Uninsured under 19	6.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,917	93.8%
Spanish	129	1.4%
Other Indo-European	20	0.2%
Asian & Pacific Islander	86	1.0%
Other languages	23	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,335	98.1%
Born in same state	9,165	96.4%
Born in different state	7,682	80.8%
Foreign born	170	1.8%
Naturalized citizen	176	1.9%
Not a US citizen	137	77.8%

Ancestry

Ancestry	Count	%
Italian	1,767	18.6%
French	1,120	11.8%
Arab	441	4.6%
English	327	3.4%

Ancestry	Count	%
Dutch	35	0.4%
German	34	0.4%
Polish	30	0.3%
Irish	10	0.1%

Technology access

Metric	% of households
Computer access	43.2%
Internet access	90.3%

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

Frequently asked questions about ZIP code 13165

What city is ZIP code 13165 in?

ZIP code 13165 is primarily assigned to Waterloo, New York.

What county is ZIP code 13165 in?

ZIP code 13165 falls within Seneca County, New York.

Does ZIP code 13165 have a large retiree population?

40% of households in ZIP code 13165 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 13165 have a large veteran population?

12% of civilians in ZIP code 13165 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 13165?

The median home value in ZIP code 13165 is $113,600.

What is the population of ZIP code 13165?

ZIP code 13165 has an estimated population of 9,511 residents, with a density of 139 people per square mile.

What timezone is ZIP code 13165 in?

ZIP code 13165 observes the EST timezone.