Waterloo ZIP Codes — Seneca County, NY

There is one unique ZIP code in Waterloo, New York and it is 13165. Area code: 315.

ZIP codes

68.23

sq mi land

0.34

sq mi water

315

area code

Waterloo, NY ZIP code map

About Waterloo, NY

Waterloo, NY, is a quaint village located in the heart of Seneca County. Known for its rich history and vibrant community, the village offers a charming atmosphere that attracts visitors and residents alike. Nestled among the Finger Lakes, it reflects both the natural beauty and cultural heritage of New York State.

Location & geography

Waterloo lies approximately 12 miles east of Seneca Lake and is surrounded by breathtaking landscapes. It shares its borders with several towns, including Geneva, NY, located about 11 miles to the northwest, and Seneca Falls, just 5 miles to the south. The village covers a land area of 68.23 square miles, with a small water area of 0.34 square miles, which contributes to its picturesque terrain.

Community & economy

The character of Waterloo is defined by its close-knit community, where residents take pride in their history and local events. Agriculture and tourism are among the key industries that sustain the local economy, while recreational activities and festivals create a vibrant daily life for its inhabitants. The village is also home to several landmarks, including the National Women’s Hall of Fame, celebrating the contributions of women to American history.

Transportation

Waterloo is easily accessible via major roadways, including New York State Route 414, which runs north-south through the village. The nearest major airport is Syracuse Hancock International Airport, located about 43 miles northeast of Waterloo. Public transportation options are available, allowing residents and visitors to navigate the region conveniently.

History

Waterloo was founded in the early 19th century and has a rich history tied to the Erie Canal, which significantly contributed to its development. The village is recognized for being the birthplace of Memorial Day, a notable event that showcases its historical significance. Over the years, key industries have evolved, but tourism and agriculture continue to play essential roles in the local economy.

Did you know?

One surprising fact about Waterloo is that it is home to the National Women’s Hall of Fame, honoring the achievements of women in various fields. Additionally, Waterloo holds the distinction of being recognized as the birthplace of Memorial Day, a testament to its historical importance.

ZIP codes for Waterloo, NY (1)

ZIP code	City	County	Map
13165	Waterloo	Seneca	View map

Demographics & statistics

9,511

Population

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

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%
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	%
High blood pressure	32.0%
High cholesterol	34.1%
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	%
Binge drinking	16.5%
No physical activity	25.8%
Less than 7 hrs sleep	35.2%
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%
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

What ZIP codes does Waterloo, NY have?

Waterloo, NY has one ZIP code: 13165. Each ZIP code serves a distinct delivery area within the city and surrounding region.