PlainZIP

Waterbury, CT · standard

ZIP Code 06704

New Haven County, Connecticut - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

25,139
1,226/sq mi
$48,718
Median income
$192,000
Median home value
14.2%
Bachelor's or higher

The verdict

Waterbury pairs one of the lowest household incomes in the country with below-median home values, in a low-density, mixed-tenure area.

13th pct
household income, US ZIPs
41th pct
home value, US ZIPs
1,226
people per sq mi
45%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 06704 against every reporting US ZIP.

ZIP code 06704 is a densely settled ZIP (a standard USPS delivery area) in Waterbury, New Haven County, Connecticut, with 25,139 residents across 20.5 square miles, a density of 1,226 people per square mile, in the New York time zone.

ZIP 06704 reports a modest median household income of $48,718 (57% below the Connecticut average), while per-capita income is $26,122. Poverty here runs at 31.8%, with unemployment measured at 11.8%. On housing, the median home value is $192,000 (56% below the state average) with median rent at $1,258 per month, and 45.3% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 14.2% of adults hold a bachelor's degree or higher, the median age is 34.6, and the average commute is 30 minutes. To put 06704 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in New Haven County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 06704

Top 5 sectors by establishment count in Waterbury, CT

Which industries have the most business establishments in ZIP 06704.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 06704, Waterbury, CT · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

25,139

Population

20.5

Area (sq mi)

1,226

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 06704?

34.6

Median Age

47.8%

Male

52.2%

Female

18.6%

Foreign-Born

White 28.1%
African American 31.0%
Asian 1.8%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 21.3%
Hispanic or Latino 47.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$48,718

Median Household Income

-57% vs state

$26,122

Per Capita Income

31.8%

Poverty Rate

11.8%

Unemployment Rate

30.0 min

Mean Commute Time

How ZIP 06704 ranks nationally

Waterbury, CT household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$48,718 13th percentile higher than 13% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 49.3%
Bachelor's Degree or Higher 14.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,671

Total Housing Units

11,768

Occupied Units

903

Vacant Units

2.68

Avg Household Size

Occupancy Type

Owner 45.3%
Renter 54.7%

$192,000

Median Home Value

-56% vs state

$1,258

Median Rent

1955

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+14.5%

YoY Change (2024)

291

HPI Index (2000 = 100)

+191%

Total Change Since 2000

Home values in ZIP 06704 have increased 14.5% over the past year (2024). Since 2000, this ZIP has seen +191% cumulative appreciation.

Year Annual Change HPI Index
2020 +0.0% 151
2021 +21.3% 183
2022 +20.2% 220
2023 +15.4% 254
2024 +14.5% 291

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 336 business establishments in ZIP 06704, employing approximately 3,975 people with a combined annual payroll of $179,626,000.

336

Businesses

3,975

Employees

$179.6M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 80 23.8%
Construction 37 11.0%
Health care and social assistance 36 10.7%
Other services (except public administration) 35 10.4%
Accommodation and food services 33 9.8%
Manufacturing 32 9.5%
Wholesale trade 16 4.8%
Finance and insurance 15 4.5%
Transportation and warehousing 12 3.6%
Real estate and rental and leasing 11 3.3%
Administrative and support and waste management and remediation services 10 3.0%
Professional, scientific, and technical services 6 1.8%
Arts, entertainment, and recreation 4 1.2%
Information 3 0.9%
Educational services 3 0.9%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 06704 vs 06710 →

ZIP 06704 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 06704 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 06704 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 06704 ranks #9 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
06710 Waterbury, CT 10,715 1.4 mi
06702 Waterbury, CT 3,654 2.1 mi
06779 Oakville, CT 8,324 2.6 mi
06706 Waterbury, CT 14,324 3.8 mi
06708 Waterbury, CT 29,418 3.1 mi
06716 Wolcott, CT 16,680 3.2 mi
06705 Waterbury, CT 27,122 3.3 mi
06782 Plymouth, CT 2,376 4.8 mi
06786 Terryville, CT 9,867 5.8 mi
06770 Naugatuck, CT 31,975 6.8 mi

More ZIP Codes in New Haven County

06516 standard
West Haven, CT
Pop: 55,564
06511 standard
New Haven, CT
Pop: 53,600
06492 standard
Wallingford, CT
Pop: 45,241
06513 standard
New Haven, CT
Pop: 38,978
06460 standard
Milford, CT
Pop: 38,207
06450 standard
Meriden, CT
Pop: 36,493

Related Areas

New Haven County Waterbury, CT Connecticut

Frequently Asked Questions

What county is ZIP code 06704 in? ▼
ZIP code 06704 (Waterbury) is located in New Haven County, Connecticut. New Haven County contains multiple ZIP codes, see the full list at /counties/new-haven-ct.
What is the population of ZIP code 06704? ▼
ZIP code 06704 in Waterbury, CT has a population of 25,139 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 06704? ▼
The median household income in ZIP 06704 is $48,718, which is 36% below the national average of $76,288.
What is the average home value in ZIP 06704? ▼
The median home value in ZIP 06704 is $192,000, which is 31% below the national average of $278,155.
What is the demographic makeup of ZIP 06704? ▼
The largest racial group in ZIP 06704 is African American at 31.0%. Hispanic or Latino residents make up 47.0% of the population.
How many businesses are in ZIP code 06704? ▼
ZIP code 06704 has 336 business establishments employing approximately 3,975 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 06704? ▼
The top industries by establishment count in ZIP 06704 are: Retail trade (80), Construction (37), Health care and social assistance (36). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 06704? ▼
According to the FHFA House Price Index, home values in ZIP 06704 increased by 14.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 191%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 06704? ▼
In ZIP code 06704, 49.3% of residents aged 25+ have a high school diploma or higher, and 14.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 06704? ▼
The mean commute time for workers in ZIP code 06704 is 30.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 06704? ▼
In ZIP code 06704, approximately 45.3% of occupied housing units are owner-occupied and 54.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 06704? ▼
The poverty rate in ZIP code 06704 is 31.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.