Waterloo ZIP Codes — Monroe County, IL

There is one unique ZIP code in Waterloo, Illinois and it is 62298. Area code: 618.

ZIP codes

143.03

sq mi land

1.58

sq mi water

618

area code

Waterloo, IL ZIP code map

About Waterloo, IL

Waterloo, Illinois is a charming city located in Monroe County, known for its friendly community and rich history. This city serves as the county seat and offers a peaceful yet vibrant lifestyle for its residents. With a mix of rural and suburban landscapes, Waterloo is an inviting place for families and individuals alike.

Location & geography

Waterloo is situated just southwest of St. Louis, Missouri, making it a convenient commuting option for those who work in the metropolitan area. It is bordered by the cities of Columbia, Millstadt, and Red Bud, with distances ranging from 5 to 12 miles. The city covers a land area of 143.03 square miles, complemented by a water area of 1.58 square miles, which underscores its picturesque landscape.

Community & economy

The character of Waterloo is defined by its strong sense of community, where residents take pride in local events and gatherings. The economy is bolstered by a mix of small businesses, agriculture, and service industries, creating a well-rounded job market. Daily life in Waterloo often involves enjoying outdoor activities in its numerous parks and participating in local festivals that celebrate the community's heritage.

Transportation

Waterloo is conveniently accessed via several major highways, including Illinois Route 3, which connects to nearby cities and regional centers. The closest airports are St. Louis Lambert International Airport and MidAmerica St. Louis Airport, which provide both domestic and international flights. Public transportation options are limited, so personal vehicles are the primary mode of transit for residents.

History

Waterloo was founded in the early 1800s and has since evolved into a notable center for commerce and community in Monroe County. Key industries in the area historically included agriculture and trade, which laid the foundation for the town's growth. The city has witnessed various events, including the establishment of local festivals that commemorate its rich heritage and community spirit.

Did you know?

A surprising fact about Waterloo is that it is home to the historic Waterloo Town Hall, which has been a center for community events since its opening. Additionally, the city has a strong connection to the surrounding agricultural lands, which influences both its economy and lifestyle.

ZIP codes for Waterloo, IL (1)

ZIP code	City	County	Map
62298	Waterloo	Monroe	View map

Demographics & statistics

17,192

Population

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

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%
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	%
High blood pressure	31.2%
High cholesterol	32.6%
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	%
Binge drinking	16.1%
No physical activity	20.8%
Less than 7 hrs sleep	30.8%
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%
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

What ZIP codes does Waterloo, IL have?

Waterloo, IL has one ZIP code: 62298. Each ZIP code serves a distinct delivery area within the city and surrounding region.