Waterloo, CA population, income and ZIP codes

Waterloo CDP is a very small community in California, with 886 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1092 of 1,618 ranked by population — larger than 32% of them. The median age here is 53.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Waterloo CDP earn a median of $250,001 a year, 218.3% above the national figure of $78,538 and 174% above the $91,111 median for the 1,050 California cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 5.6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Waterloo CDP is valued at $883,200, 191.1% above the national figure and 50% above the $589,600 peer median, while median gross rent runs $1,908 a month, 35.7% above the national figure, or roughly $22,896 across a full year. A household on the local median income would put about 9.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.5×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 38.6% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 53.7 puts Waterloo CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 886 residents, a handful of survey responses moves every median on this page. Compare Waterloo CDP against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.