Waterloo, NY · standard
ZIP Code 13165
Seneca County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 10,741
- 61/sq mi Moderate-density area
- $59,981
- Median income Below-median income area
- $121,600
- Median home value Below-median home value
- 21.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Waterloo pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 29th pct
- household income, US ZIPs
- 17th pct
- home value, US ZIPs
- 61
- people per sq mi
- 69%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13165 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 13165 (Waterloo, NY) fell -8.7% from 2023 to 2024. The all-transactions index moved from 263.4 in 2023 to 240.4 in 2024 (2000 = 100).
ZIP code 13165 is a mid-sized community (a standard USPS delivery area) in Waterloo, Seneca County, New York, home to 10,741 residents across 176.1 square miles, a density of 61 people per square mile, in the New York time zone.
ZIP 13165 reports a modest median household income of $59,981 (35% below the average New York ZIP), while per-capita income is $36,399. The poverty rate is 10.6%, with unemployment at 6.3%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $121,600 (68% below the average New York ZIP), and median rent is $929; owner occupancy is 68.9%.
Educational attainment sits below the national norm: 21.6% of adults hold a bachelor's degree or higher, the median age is 47.6, and the average commute is 21 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Seneca County, so 13165 can be compared with both its immediate and county-level context.
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 13165
Top 5 sectors by establishment count in Waterloo, NY
Which industries have the most business establishments in ZIP 13165.
- Retail trade
Retail trade
88 establishments
- Other services (except public administration) 34
Other services (except public administration)
34 establishments
- Accommodation and food services 27
Accommodation and food services
27 establishments
- Health care and social assistance 19
Health care and social assistance
19 establishments
- Construction 15
Construction
15 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 13165, Waterloo, NY · 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
10,741
Population
176.1
Area (sq mi)
61
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13165?
47.6
Median Age
49.5%
Male
50.5%
Female
4.2%
Foreign-Born
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?
$59,981
Median Household Income
-35% vs state ZIP avg
$36,399
Per Capita Income
10.6%
Poverty Rate
6.3%
Unemployment Rate
21.3 min
Mean Commute Time
How ZIP 13165 ranks among New York ZIPs
Waterloo, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$59,981 15th percentile higher than 15% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,716housing units
4,716
Total Housing Units
4,355
Occupied Units
361
Vacant Units
2.10
Avg Household Size
Occupancy Type
$121,600
Median Home Value
-68% vs state ZIP avg
$929
Median Rent
1961
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
-8.7%
YoY Change (2024)
240
HPI Index (2000 = 100)
+140%
Total Change Since 2000
Home values in ZIP 13165 have decreased 8.7% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +12.5% | 168 |
| 2021 | +8.3% | 181 |
| 2022 | +16.7% | 212 |
| 2023 | +24.4% | 263 |
| 2024 | -8.7% | 240 |
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 257 business establishments in ZIP 13165, employing approximately 3,625 people with a combined annual payroll of $153,249,000.
257
Businesses
3,625
Employees
$153.2M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 88 | 34.2% |
| Other services (except public administration) | 34 | 13.2% |
| Accommodation and food services | 27 | 10.5% |
| Health care and social assistance | 19 | 7.4% |
| Construction | 15 | 5.8% |
| Wholesale trade | 15 | 5.8% |
| Finance and insurance | 11 | 4.3% |
| Administrative and support and waste management and remediation services | 9 | 3.5% |
| Transportation and warehousing | 8 | 3.1% |
| Professional, scientific, and technical services | 8 | 3.1% |
| Manufacturing | 7 | 2.7% |
| Real estate and rental and leasing | 5 | 1.9% |
| Arts, entertainment, and recreation | 4 | 1.6% |
| Management of companies and enterprises | 3 | 1.2% |
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 13165 vs 13148 →
ZIP 13165 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 14456
Geneva (14456)
20,087 residents
- 13148
Seneca Falls (13148)
10,750 residents
- 13165
Waterloo (13165)
10,741 residents
- 14532 4,431
Phelps (14532)
4,431 residents
What this shows Among its immediate neighbors, ZIP 13165 ranks #3 by population - useful context the national average alone can't give.
ZIP 13165 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 14532
Phelps (14532)
$81,923 median income
- 14456
Geneva (14456)
$81,310 median income
- 13148
Seneca Falls (13148)
$65,313 median income
- 13165
Waterloo (13165)
$59,981 median income
What this shows By household income, ZIP 13165 ranks #4 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 13165, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (10,741 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Seneca County
Related Areas
Frequently Asked Questions
What county is ZIP code 13165 in?
ZIP code 13165 (Waterloo) is located in Seneca County, New York. Seneca County contains multiple ZIP codes, see the full list at /counties/seneca-ny.
What is the population of ZIP code 13165?
ZIP code 13165 in Waterloo, NY has a population of 10,741 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13165?
The median household income in ZIP 13165 is $59,981, which is 21% below the national average of $76,288.
What is the average home value in ZIP 13165?
The median home value in ZIP 13165 is $121,600, which is 56% below the national average of $278,155.
What is the demographic makeup of ZIP 13165?
The largest racial group in ZIP 13165 is White at 87.7%. Hispanic or Latino residents make up 6.8% of the population.
How many businesses are in ZIP code 13165?
ZIP code 13165 has 257 business establishments employing approximately 3,625 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13165?
The top industries by establishment count in ZIP 13165 are: Retail trade (88), Other services (except public administration) (34), Accommodation and food services (27). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 13165?
According to the FHFA House Price Index, home values in ZIP 13165 decreased by 8.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 140%. 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 13165?
In ZIP code 13165, 58.4% of residents aged 25+ have a high school diploma or higher, and 21.6% 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 13165?
The mean commute time for workers in ZIP code 13165 is 21.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 13165?
In ZIP code 13165, approximately 68.9% of occupied housing units are owner-occupied and 31.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13165?
The poverty rate in ZIP code 13165 is 10.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 13165's numbers, next.
- See how ZIP 13165 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waterloo, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.