PlainZIP

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
$59,981
Median income
$121,600
Median home value
21.6%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $36,399. 10.6% of residents live below the poverty line, and the unemployment rate reads 6.3%. On housing, the median home value is $121,600 (68% below the state average) with median rent at $929 per month, and 68.9% of occupied units are owner-occupied.

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. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Seneca County, letting you compare 13165 to its immediate surroundings rather than a national baseline alone.

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.

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 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

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 13165?

47.6

Median Age

49.5%

Male

50.5%

Female

4.2%

Foreign-Born

White 87.7%
African American 1.8%
Asian 0.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.3%
Hispanic or Latino 6.8%

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

$36,399

Per Capita Income

10.6%

Poverty Rate

6.3%

Unemployment Rate

21.3 min

Mean Commute Time

How ZIP 13165 ranks nationally

Waterloo, NY household income vs. every US ZIP code

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

$59,981 29th percentile higher than 29% 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 58.4%
Bachelor's Degree or Higher 21.6%

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

What does housing look like?

4,716

Total Housing Units

4,355

Occupied Units

361

Vacant Units

2.10

Avg Household Size

Occupancy Type

Owner 68.9%
Renter 31.1%

$121,600

Median Home Value

-68% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 13165 ranks #3 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 13165 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 13165 ranks #4 of 4 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
13148 Seneca Falls, NY 10,750 4.6 mi
14456 Geneva, NY 20,087 7.8 mi
14532 Phelps, NY 4,431 8.4 mi

More ZIP Codes in Seneca County

13148 standard
Seneca Falls, NY
Pop: 10,750
14886 standard
Trumansburg, NY
Pop: 6,753
14541 standard
Romulus, NY
Pop: 4,129
14521 standard
Ovid, NY
Pop: 2,761
14847 standard
Interlaken, NY
Pop: 2,398
14860 standard
Lodi, NY
Pop: 1,039

Related Areas

Seneca County Waterloo, NY New York

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.

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