Waterloo ZIP Codes — Black Hawk County, IA

There are 4 unique ZIP codes in Waterloo, Iowa. Area code: 319.

ZIP codes

182.12

sq mi land

2.61

sq mi water

319

area code

Waterloo, IA ZIP code map

About Waterloo, IA

Waterloo, Iowa, is a vibrant city located in Black Hawk County. Known for its rich history and diverse community, it serves as an important cultural and economic hub in the region. With its array of recreational opportunities and significant landmarks, Waterloo attracts both residents and visitors alike.

Location & geography

Situated in northeastern Iowa, Waterloo is approximately 30 miles from Cedar Rapids and 60 miles from Des Moines. The city covers a land area of 182.12 square miles and incorporates a water area of 2.61 square miles. The terrain features a mix of urban development and green spaces, contributing to its scenic charm.

Community & economy

Waterloo's community is characterized by a welcoming atmosphere and a strong sense of local pride. The city's economy is supported by various industries, including manufacturing, healthcare, and education, which provide numerous job opportunities. Residents enjoy a day-to-day life filled with community events, local dining, and cultural activities.

Transportation

Waterloo is well-connected by major highways, including U.S. Route 63, which runs north-south, and Iowa Highway 20, which provides east-west access. The nearby Waterloo Regional Airport offers convenient air travel options. Public transportation is also available, providing residents with accessible transit throughout the city.

History

Waterloo was founded in the mid-19th century and has since grown into a key regional center. Historically, the city was known for its significant contributions to the manufacturing sector, especially in the production of agricultural equipment. Notable events in Waterloo's history include the establishment of the John Deere manufacturing plant, which remains a major employer in the area.

Did you know?

One surprising fact about Waterloo is that it is home to the Grout Museum District, which includes several museums focused on local history and science. Additionally, the city hosts the annual Iowa Irish Fest, celebrating Irish culture and heritage with music, dance, and delicious food.

ZIP codes for Waterloo, IA (4)

ZIP code	City	County	Map
50701	Waterloo	Black Hawk	View map
50702	Waterloo	Black Hawk	View map
50703	Waterloo	Black Hawk	View map
50704	Waterloo	Black Hawk	View map

Demographics & statistics

69,533

Population

37.0

Median age

$55,529

Median household income

$32,594

Per capita income

$133,100

Median home value

$875

Median monthly rent

61.2%

Home ownership

16.9%

Poverty rate

7.7%

Unemployment

21,454

Housing units

21.6%

Bachelor's or higher

Age distribution

Male Female

2,427

Under 5

2,415

2,241

5–9

2,230

2,219

10–14

2,208

2,170

15–19

2,159

2,589

20–24

2,576

4,715

25–34

4,692

4,510

35–44

4,487

3,630

45–54

3,612

2,076

55–59

2,066

2,293

60–64

2,281

3,540

65–74

3,522

1,753

75–84

1,745

690

85+

687

← Male

Female →

Age summary

Group	Count	%
Under 18	16,372	23.7%
18 and over	53,161	76.3%
65 and over	11,937	16.8%
Median age	37.0 years

Race & ethnicity

White 70%

Black or African American 15.9%

Two or more races 4.6%

Hispanic or Latino 3.4%

Asian 2.5%

Other race 2.3%

Native Hawaiian / Pacific Islander 0.8%

American Indian / Alaska Native 0.4%

Group	Count	%
White	50,368	70%
Black or African American	11,480	15.9%
Two or more races	3,318	4.6%
Hispanic or Latino	2,459	3.4%
Asian	1,783	2.5%
Other race	1,665	2.3%
Native Hawaiian / Pacific Islander	596	0.8%
American Indian / Alaska Native	323	0.4%

Household income

Under $10k 5.7%

$10k–$15k 5.8%

$15k–$25k 10.1%

$25k–$35k 9.6%

$35k–$50k 14.9%

$50k–$75k 19.7%

$75k–$100k 12.9%

$100k–$150k 13.5%

$150k–$200k 4.4%

$200k+ 3.3%

Range	% of households
Under $10k	5.7%
$10k–$15k	5.8%
$15k–$25k	10.1%
$25k–$35k	9.6%
$35k–$50k	14.9%
$50k–$75k	19.7%
$75k–$100k	12.9%
$100k–$150k	13.5%
$150k–$200k	4.4%
$200k+	3.3%
Median income	$55,529

Housing

Home values

Under $50k 7.6%

$50k–$100k 23.8%

$100k–$150k 25.4%

$150k–$200k 20.6%

$200k–$300k 15.6%

$300k–$500k 4.3%

$500k–$1M 1.9%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$133,100
Median rent / month	$875
Owner occupied	61.2%
Renter occupied	38.8%
Vacant	9.7%
Single-family detached	70.6%
Large apartment buildings	6.6%
Mobile homes	2.6%
Median rooms	5.2
Avg household size (owned)	2.38

Year built

Era	%
2020 or later	0.1%
2010–2019	5.5%
2000–2009	4.8%
1990–1999	5.5%
1980–1989	5.2%
1970–1979	12.6%
1960–1969	15.3%
1950–1959	19.5%
1940–1949	7.8%
1939 or earlier	23.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	12.7%
2 bedrooms	34.7%
3 bedrooms	37.9%
4 bedrooms	10.3%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	9.9%
1 vehicle	36.2%
2 vehicles	33.7%
3 or more	20.1%

Heating fuel

Fuel type	%
Utility gas	66.4%
Electricity	28.9%
Propane / LP gas	3.5%
Fuel oil	0.1%
Wood	0.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	11,777	39.0%
Cohabiting couple	3,052	10.1%
Male householder, no spouse	6,109	21.0%
Female householder, no spouse	8,736	30.0%
Households with children under 18	8,315	28.2%
Households with seniors (65+)	8,534	28.4%
Average household size	2.32

Marital status

Status	Male	Female
Never married	41.8%	34.6%
Married	43.7%	42.3%
Separated	2.1%	2.0%
Widowed	2.3%	8.8%
Divorced	10.0%	12.4%

Education

Less than 9th grade 3.9%

Some HS, no diploma 6.3%

HS graduate 34.9%

Some college, no degree 22.6%

Associate's degree 10.7%

Bachelor's degree 15.2%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	89.8%
Bachelor's or higher	21.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	859	5.8%
Kindergarten	993	6.4%
Elementary school	7,100	45.4%
High school	3,353	21.6%
College / grad school	3,509	20.8%

Employment

Industry of employment

Manufacturing 22.1%

Education & healthcare 19.5%

Retail trade 12.6%

Arts, food & hospitality 10.4%

Professional & management 7.6%

Construction 6.2%

Finance & real estate 5.8%

Transportation & utilities 5.1%

Other services 4.0%

Wholesale trade 2.5%

Public administration 1.9%

Information 1.5%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	30.1%
Service	17.0%
Sales & office	18.6%
Natural resources & construction	7.6%
Production & transportation	26.8%

Employment type

Type	%
Private sector	86.4%
Government	8.7%
Self-employed	4.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	77.7%
Carpool	12.1%
Public transit	0.4%
Walk	1.8%
Other means	1.5%
Avg commute (minutes)	16.9

Poverty

All people 16.9%

Under 18 years 23.9%

18 and over 14.7%

Married-couple families 5.5%

Female-led households 29.3%

Income support

Source	% of households
Social Security	34.5%
Retirement income	22.9%
Supplemental Security	7.5%
Cash public assistance	2.9%
Food stamps / SNAP	18.4%

Health indicators

Condition	%
High blood pressure	34.9%
High cholesterol	31.3%
Heart disease	6.7%
Stroke	3.5%
Asthma	10.2%
Arthritis	24.7%
Kidney disease	3.2%
Pulmonary disease	7.5%
Cancer	6.3%

Behavior / access	%
Binge drinking	22.0%
No physical activity	27.3%
Less than 7 hrs sleep	34.5%
Fair or poor health	16.0%
Poor mental health	15.0%
Poor physical health	11.0%
No health insurance	11.7%
Visited doctor (checkup)	77.0%
Visited dentist	63.7%
Cholesterol screening	86.2%
Teeth loss	15.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	3,544	6.5%

Disability	%
Any disability	16.4%
Under 18	6.8%
18–64 years	14.6%
65 and over	37.5%

Health insurance coverage

Type	%
Private insurance	60.5%
Public insurance	49.5%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	64,691	92.9%
Spanish	3,957	6.5%
Other Indo-European	1,088	1.9%
Asian & Pacific Islander	1,797	2.8%
Other languages	1,023	1.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	63,343	90.8%
Born in same state	62,534	89.8%
Born in different state	49,319	70.4%
Foreign born	809	1.1%
Naturalized citizen	6,190	9.2%
Not a US citizen	2,736	45.5%

Ancestry

Ancestry	Count	%
Italian	7,299	10.5%
French	5,594	8%
Arab	3,386	4.9%
Polish	2,060	3%

Ancestry	Count	%
English	822	1.2%
Dutch	763	1.1%
German	94	0.1%
Irish	34	0%

Technology access

Metric	% of households
Computer access	42.4%
Internet access	91.3%

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

Frequently asked questions

What ZIP codes does Waterloo, IA have?

Waterloo, IA has 3 ZIP codes: 50701, 50702, and 50703. Each ZIP code serves a distinct delivery area within the city and surrounding region.