ZIP Code Tabulation Area

50701

Waterloo, IA · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
30,232
Median household income
$61,475
People below poverty
16.6%
Median home value
$183,800

Income

The median income of households in 50701 was $61,475. An estimated 5.9% of households had income below $10,000 a year and 5.9% had income of $200,000 or more.

Household Income in 50701 in 2020-2024

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Percent
Less than $10,000 5.9
$10,000 to $14,999 4
$15,000 to $24,999 7.1
$25,000 to $34,999 7.1
$35,000 to $49,999 16.4
$50,000 to $74,999 20.6
$75,000 to $99,999 11.6
$100,000 to $149,999 15.5
$150,000 to $199,999 6
$200,000 or more 5.9

Median Earnings for Full-Time Year-Round Workers by Sex in 50701 in 2020-2024

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Dollars
Male 54916
Female 46414

An estimated 75% of households received earnings. An estimated 33.3% of households received Social Security and an estimated 24.5 % of households received retirement income other than Social Security. The average income from Social Security was $26,491. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 50701 in 2020-2024

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Percent
Earnings 75
Social Security 33.3
Retirement income 24.5
Supplemental Security Income (SSI) 5.1
Cash public assistance income 2

Poverty and Participation in Government Programs

In 2020-2024, 16.6 % of people were in poverty. An estimated 25.9% of children under 18 were below the poverty level, compared with 6.4% of people 65 years old and over. An estimated 16.3% of people 18 to 64 years were below the poverty level.

Poverty Rates in 50701 in 2020-2024

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Percent
People in poverty 16.6
Children under 18 years below poverty 25.9
People 65 years old and over below poverty 6.4
People 18 to 64 years below poverty 16.3

In 2020-2024, 11 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 60% of households that received SNAP had children under 18, and 20.8% of households that received SNAP had one or more people 60 years and over. An estimated 35.1% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 50701 in 2020-2024, 94.8% had health insurance coverage and 5.2% did not have health insurance coverage. Private coverage was 67.8% and public coverage was 44%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 2.7%.


In 2020-2024, 50701 had a total population of 30,232 - 15,465 (51.2%) females and 14,767 (48.8%) males. The median age was 37.2 years. An estimated 23.4% of the population was under 18 years, 33.2% was 19 to 44 years, 21.5% was 45 to 64 years, and 19.7 % was 65 years and older.

Population by Age and Sex for 50701 in 2020-2024

Male Female
Under 5 1205 1107
5 to 9 862 1004
10 to 14 939 989
15 to 19 1050 587
20 to 24 767 1089
25 to 29 961 1394
30 to 34 1112 1050
35 to 39 886 969
40 to 44 923 904
45 to 49 922 699
50 to 54 782 756
55 to 59 773 694
60 to 64 1012 849
65 to 69 979 998
70 to 74 538 1006
75 to 79 551 689
80 to 84 316 343
85 and over 189 338

Hispanic Origin and Race

For people reporting one race alone, 75.5% were White; 12.5% were Black or African American; 7.6% were American Indian and Alaska Native; 3.8% were Asian; 5.9% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 5.3% reported Two or More Races. An estimated 4.1% of the people in 50701 were Hispanic or Latino. An estimated 74.5% of the people in 50701 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 13,656 households in 50701. The average household size was 2.19 people.

Married-couple households made up 40.4% of the households in 50701 while cohabiting couple households made up 10.7% of households. Female householders with no spouse or partner present were 29% of all households, while 19.9% of households had male householders with no spouse or partner present. Some households had one person, as 16.1% of households were male householders living alone, and 20.2% were female householders living alone, for a total of 36.3% of all households.

In 50701, 25.7% of all households had one or more people under the age of 18; 30.8% of all households had one or more people 65 years and over.

Types of Households in 50701 in 2020-2024

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Percent
Married-couple households 40.4
Cohabiting Couples 10.7
Male Householder
No spouse/partner present
19.9
Female Householder
No spouse/partner present
29

Marital Status

Among persons 15 and older, 49% of males and 45.4% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 36.8 32.9
Now married, except separated 49 45.4
Separated 1.5 1.9
Widowed 2.4 8
Divorced 10.4 11.7

Grandparents and Grandchildren

In 50701, 311 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 37.3% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 92.1% of the people living in 50701 were U.S. natives. 73.4% of the 50701 population were living in the state where they were born.

Approximately 7.9% of 50701 residents in 2020-2024 were foreign-born. 43.3% of foreign-born were naturalized U.S. citizens and an estimated 43.1 % entered the country before the year 2010.

Foreign-born residents of 50701 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 50701.

Region of Birth for the Foreign-Born Population in 50701 in 2020-2024

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Percent
Latin America 18.9
Asia 33
Europe 18.3
Africa 23.5
Northern America 2.8
Oceania 3.5

Language

Among people at least five years old living in 50701 in 2020-2024, 9.4 % spoke a language other than English at home. Spanish was spoken by 2.1% of people at least five years old; 5.4% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 50701 in 2020-2024

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Percent
Spanish 2.1
Other Indo-European languages 4.2
Asian and Pacific Islander languages 2.6
Other languages 0.5

Geographic Mobility

In 2020-2024, 86.3 % of the people at least one year old living in 50701 were living in the same house one year earlier.

Geographic Mobility of Residents of 50701 in 2020-2024

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Percent
Same house 86.3
Different house, same county 8.8
Different county, same state 3
Different state 1.6
Abroad 0.3

Education

In 2020-2024, 93.5 % of people 25 years and over had at least graduated from high school and 27.9% had a bachelor's degree or higher. An estimated 6.6% did not complete high school.

The total school enrollment in 50701 was 6,288 in 2020-2024. Nursery school enrollment was 209 and kindergarten through 12th grade enrollment was 4,741. College or graduate school enrollment was 1,338.

Educational Attainment of People in 50701 in 2020-2024

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Percent
Less than high school diploma 6.6
High school diploma or equivalency 31
Some college, no degree 21.3
Associate's degree 13.1
Bachelor's degree 17.8
Graduate or professional degree 10.2

Disability

In 50701, among the civilian noninstitutionalized population in 2020-2024, 12.2 % reported a disability. The likelihood of having a disability varied by age - from 3.1% of people under 18 years old, to 10.9% of people 18 to 64 years old, and to 27.5% of those 65 and over.


Employment Status and Type of Employer

In 50701, 63.5 % of the population 16 and over were employed; 34.7% were not currently in the labor force.

An estimated 84% of the people employed were private wage and salary workers; 11.7% were federal, state, or local government workers; and 4.3 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 12,728 84
Federal, state, or local government workers 1,778 11.7
Self-employed workers in own not incorporated business 651 4.3

Industries

In 2020-2024, the civilian employed population 16 years and older in 50701 worked in the following industries:

Percent by Industry in 50701 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.8
Construction 5.1
Manufacturing 16.1
Wholesale trade 2.7
Retail trade 15
Transportation and warehousing, and utilities 4.4
Information 1.3
Finance and insurance, and real estate and rental and leasing 5.4
Professional, scientific, and management, and administrative and waste management services 8.7
Educational services, and health care and social assistance 23
Arts, entertainment, and recreation, and accommodation, and food services 10
Other Services, except public administration 4.7
Public administration 2.8

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 50701 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 5,424 35.8
Service occupations 2,706 17.9
Sales and office occupations 2,632 17.4
Natural resources, construction, and maintenance occupations 1,096 7.2
Production, transportation, and material moving occupations 3,299 21.8

Commuting to Work

An estimated 78.9% of 50701 workers drove to work alone in 2020-2024, and 9.1% carpooled. Among those who commuted to work, it took them on average 15 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 50701 in 2020-2024

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Percent
Car, truck, van -- drove alone 78.9
Car, truck, van -- carpooled 9.1
Public transportation (excluding taxicab) 0.4
Walked 1.8
Other means 0.5
Worked from home 9.3

In 2020-2024, 50701 had a total of 14,796 housing units. Of these housing units, 67.3% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 27.8% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 4.9% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 50701 in 2020-2024

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Percent
Single-family houses 67.3
Apartments in multi-unit structures 27.8
Mobile homes 4.9
Boat, RV, van, etc 0

6.5% of the housing inventory was comprised of houses built since 2010, while 16.9% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 50701 was 5.3 rooms, and of these housing units 53.1% had three or more bedrooms.


In 2020-2024, 50701 had 13,656 housing units that were occupied or had people living in them, while the remaining 1,140 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 67.2% while renters occupied 32.8%. The average household size of owner-occupied houses was 2.23 and in renter-occupied houses it was 2.11.

4.1% of householders of these occupied houses had moved into their house since 2021, while 9.6% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 5.8% and another 20.4% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 50701:

House Heating Fuel Used in 50701 in 2020-2024

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Percent
Gas 65.9
Electricity 33.1
Fuel oil, kerosene, etc 0
All other fuels 0.7
No fuel used 0.4

In 2020-2024, the median property value for owner-occupied houses in 50701 was $183,800.

Of the owner-occupied households, 60.7 % had a mortgage. 39.3% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,398 and for owners without a mortgage it was $631.

For renter-occupied houses, the median gross rent for 50701 was $850. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.