Waterloo ZIP Codes — Dekalb County, IN

There is one unique ZIP code in Waterloo, Indiana and it is 46793. Area code: 260.

ZIP codes

53.03

sq mi land

0.14

sq mi water

260

area code

Waterloo, IN ZIP code map

About Waterloo, IN

Waterloo is a charming city located in the state of Indiana, within Dekalb County. Known for its small-town feel and picturesque surroundings, this community offers residents a tranquil lifestyle. With a ZIP code of 46793, Waterloo is a hidden gem in the Midwest, making it a unique destination for both visitors and new residents.

Location & geography

Waterloo is situated in the northeastern part of Indiana, providing a tranquil rural setting. The city is conveniently located near other towns such as Auburn, which is about 10 miles to the west, and Garrett, approximately 7 miles to the south. Covering a total area of 53.03 square miles of land and 0.14 square miles of water, the region is predominantly flat with scenic landscapes.

Community & economy

The character of Waterloo is marked by its friendly locals and a strong sense of community. The economy is supported by various industries, including agriculture and small businesses, providing essential services and goods. Daily life in Waterloo is characterized by community events and outdoor activities, encouraging strong social ties among residents.

Transportation

Waterloo is accessible via several major highways, including State Road 6 and State Road 327, making travel easy for both residents and visitors. The nearest named airport is the Fort Wayne International Airport, which is roughly 30 miles away, offering regional connectivity. Public transit options may be limited, but the small-town roads ensure that residents can travel conveniently by car.

History

Waterloo was founded in the 19th century and has a rich agricultural heritage that has influenced its growth and development. Historically, the city flourished due to farming and local businesses which supported the community's economy. Over the years, notable events have included various local festivals and gatherings that celebrate the city’s culture and history.

Did you know?

A little-known fact about Waterloo is that it hosts a community festival that brings together residents and visitors annually, showcasing local artisans and crafts. Additionally, the city has a strong focus on preserving its history, with several landmarks highlighting its agricultural roots.

ZIP codes for Waterloo, IN (1)

ZIP code	City	County	Map
46793	Waterloo	Dekalb	View map

Demographics & statistics

4,281

Population

39.0

Median age

$74,177

Median household income

$39,070

Per capita income

$165,400

Median home value

$777

Median monthly rent

82.6%

Home ownership

10.0%

Poverty rate

4.4%

Unemployment

1,479

Housing units

17.7%

Bachelor's or higher

Age distribution

Male Female

148

Under 5

143

106

5–9

101

142

10–14

137

171

15–19

165

180

20–24

172

222

25–34

213

263

35–44

252

289

45–54

277

234

55–59

225

60–64

210

65–74

201

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	972	22.7%
18 and over	3,309	77.3%
65 and over	646	15.1%
Median age	39.0 years

Race & ethnicity

White 92.5%

Two or more races 3.6%

Hispanic or Latino 2.2%

Other race 1%

Asian 0.6%

Group	Count	%
White	4,051	92.5%
Two or more races	158	3.6%
Hispanic or Latino	98	2.2%
Other race	45	1%
Asian	25	0.6%

Household income

Under $10k 2.8%

$10k–$15k 2.4%

$15k–$25k 6.4%

$25k–$35k 8.1%

$35k–$50k 13.0%

$50k–$75k 18.8%

$75k–$100k 21.4%

$100k–$150k 17.8%

$150k–$200k 2.5%

$200k+ 6.7%

Range	% of households
Under $10k	2.8%
$10k–$15k	2.4%
$15k–$25k	6.4%
$25k–$35k	8.1%
$35k–$50k	13.0%
$50k–$75k	18.8%
$75k–$100k	21.4%
$100k–$150k	17.8%
$150k–$200k	2.5%
$200k+	6.7%
Median income	$74,177

Housing

Home values

Under $50k 8.7%

$50k–$100k 14.5%

$100k–$150k 22.3%

$150k–$200k 11.2%

$200k–$300k 22.5%

$300k–$500k 13.4%

$500k–$1M 6.9%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$165,400
Median rent / month	$777
Owner occupied	82.6%
Renter occupied	17.4%
Vacant	4.6%
Single-family detached	85.3%
Large apartment buildings	0.4%
Mobile homes	8.2%
Median rooms	6.4
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	1.2%
2010–2019	3.2%
2000–2009	20.8%
1990–1999	10.4%
1980–1989	10.7%
1970–1979	12.5%
1960–1969	2.4%
1950–1959	5.4%
1940–1949	1.8%
1939 or earlier	31.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	4.3%
2 bedrooms	16.4%
3 bedrooms	60.5%
4 bedrooms	17.1%
5+ bedrooms	1.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	22.0%
2 vehicles	38.5%
3 or more	37.6%

Heating fuel

Fuel type	%
Utility gas	39.7%
Electricity	18.2%
Propane / LP gas	33.5%
Fuel oil	1.5%
Wood	3.4%
No fuel used	2.2%

Households & families

Household type	Count	%
Married-couple family	941	55.6%
Cohabiting couple	157	9.3%
Male householder, no spouse	308	18.2%
Female householder, no spouse	286	16.9%
Households with children under 18	596	35.2%
Households with seniors (65+)	445	26.3%
Average household size	2.52

Marital status

Status	Male	Female
Never married	26.0%	29.6%
Married	55.4%	55.0%
Separated	0.4%	0.0%
Widowed	3.8%	7.8%
Divorced	14.3%	7.5%

Education

Less than 9th grade 2.8%

Some HS, no diploma 5.2%

HS graduate 41.3%

Some college, no degree 21.7%

Associate's degree 11.4%

Bachelor's degree 11.0%

Graduate / professional 6.6%

Metric	%
HS diploma or higher	92.0%
Bachelor's or higher	17.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	38	3.9%
Kindergarten	27	2.8%
Elementary school	438	45.2%
High school	261	26.9%
College / grad school	205	21.2%

Employment

Industry of employment

Manufacturing 31.9%

Education & healthcare 14.0%

Retail trade 9.4%

Agriculture & mining 7.9%

Construction 7.4%

Transportation & utilities 6.4%

Arts, food & hospitality 5.8%

Professional & management 5.6%

Other services 5.0%

Finance & real estate 3.0%

Wholesale trade 1.4%

Public administration 1.2%

Information 0.9%

Occupation

Category	%
Management, business & arts	21.0%
Service	10.3%
Sales & office	18.9%
Natural resources & construction	16.0%
Production & transportation	33.8%

Employment type

Type	%
Private sector	91.1%
Government	6.0%
Self-employed	2.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	89.5%
Carpool	4.6%
Public transit	0.0%
Walk	0.0%
Other means	1.7%
Avg commute (minutes)	25.2

Poverty

All people 10.0%

Under 18 years 12.8%

18 and over 9.2%

Married-couple families 4.9%

Female-led households 29.3%

Income support

Source	% of households
Social Security	31.7%
Retirement income	21.7%
Supplemental Security	5.5%
Cash public assistance	1.9%
Food stamps / SNAP	8.9%

Health indicators

Condition	%
High blood pressure	34.4%
High cholesterol	32.3%
Heart disease	6.2%
Stroke	2.9%
Asthma	10.1%
Arthritis	24.9%
Kidney disease	2.7%
Pulmonary disease	7.9%
Cancer	6.0%

Behavior / access	%
Binge drinking	17.1%
No physical activity	25.4%
Less than 7 hrs sleep	32.3%
Fair or poor health	15.3%
Poor mental health	16.2%
Poor physical health	11.2%
No health insurance	13.6%
Visited doctor (checkup)	72.4%
Visited dentist	62.8%
Cholesterol screening	87.6%
Teeth loss	16.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	183	5.5%

Disability	%
Any disability	12.5%
Under 18	2.0%
18–64 years	13.3%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	71.4%
Public insurance	31.3%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,990	93.2%
Spanish	54	1.4%
Other Indo-European	7	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	12	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,215	98.5%
Born in same state	4,208	98.3%
Born in different state	3,083	72.0%
Foreign born	7	0.2%
Naturalized citizen	66	1.5%
Not a US citizen	13	19.7%

Ancestry

Ancestry	Count	%
French	439	10.3%
Italian	380	8.9%
Arab	283	6.6%

Ancestry	Count	%
English	105	2.5%
Dutch	26	0.6%
Polish	4	0.1%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	94.2%

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

Frequently asked questions

What ZIP codes does Waterloo, IN have?

Waterloo, IN has one ZIP code: 46793. Each ZIP code serves a distinct delivery area within the city and surrounding region.