Waterford, PA · standard
ZIP Code 16441
Erie County, Pennsylvania - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 10,136
- 35/sq mi Moderate-density area
- $81,117
- Median income Near-median income area
- $223,900
- Median home value Near-median home value
- 23.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Waterford pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 37%
- household income, US ZIPs
- Top 50%
- home value, US ZIPs
- 35
- people per sq mi
- 85%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 16441 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 16441 (Waterford, PA) rose +5.5% from 2023 to 2024. The all-transactions index moved from 209.8 in 2023 to 221.2 in 2024 (2000 = 100).
ZIP code 16441 is a mid-sized community (a standard USPS delivery area) in Waterford, Erie County, Pennsylvania, home to 10,136 residents across 292.1 square miles, a density of 35 people per square mile, in the New York time zone.
ZIP 16441 lands in the middle-income range, with a median household income of $81,117 (4% above the average Pennsylvania ZIP), while per-capita income is $44,817. The poverty rate is 7.6%, with unemployment at 5.7%; those measures add context to the income figure. Median home value is $223,900 (1% below the average Pennsylvania ZIP) and median rent is $799; 84.6% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 23.3% of adults hold a bachelor's degree or higher, the median age is 45.3, and the average commute is 27 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Erie County, so 16441 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 16441
Top 5 sectors by establishment count in Waterford, PA
Which industries have the most business establishments in ZIP 16441.
- Construction
Construction
34 establishments
- Other services (except public administration)
Other services (except public administration)
28 establishments
- Accommodation and food services
Accommodation and food services
21 establishments
- Manufacturing
Manufacturing
20 establishments
- Retail trade
Retail trade
20 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 16441, Waterford, PA · 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
10,136
Population
292.1
Area (sq mi)
35
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 16441?
45.3
Median Age
53.4%
Male
46.6%
Female
0.4%
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?
$81,117
Median Household Income
+4% vs state ZIP avg
$44,817
Per Capita Income
7.6%
Poverty Rate
5.7%
Unemployment Rate
27.3 min
Mean Commute Time
How ZIP 16441 ranks among Pennsylvania ZIPs
Waterford, PA household income vs. every Pennsylvania ZIP code
Median household income among 1,642 reporting Pennsylvania ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$81,117 Top 33% higher than 67% of 1,642 Pennsylvania ZIPs
Each bar is a $20K-wide band; taller bars hold more Pennsylvania 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
3,956housing units
3,956
Total Housing Units
3,699
Occupied Units
257
Vacant Units
2.47
Avg Household Size
Occupancy Type
$223,900
Median Home Value
-1% vs state ZIP avg
$799
Median Rent
1981
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
+5.5%
YoY Change (2024)
221
HPI Index (2000 = 100)
+121%
Total Change Since 2000
Home values in ZIP 16441 have increased 5.5% over the past year (2024). Since 2000, this ZIP has seen +121% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.8% | 159 |
| 2021 | +9.6% | 174 |
| 2022 | +9.1% | 190 |
| 2023 | +10.4% | 210 |
| 2024 | +5.5% | 221 |
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 196 business establishments in ZIP 16441, employing approximately 1,749 people with a combined annual payroll of $75,285,000.
196
Businesses
1,749
Employees
$75.3M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 34 | 17.4% |
| Other services (except public administration) | 28 | 14.3% |
| Accommodation and food services | 21 | 10.7% |
| Manufacturing | 20 | 10.2% |
| Retail trade | 20 | 10.2% |
| Transportation and warehousing | 13 | 6.6% |
| Administrative and support and waste management and remediation services | 12 | 6.1% |
| Health care and social assistance | 12 | 6.1% |
| Wholesale trade | 9 | 4.6% |
| Professional, scientific, and technical services | 7 | 3.6% |
| Arts, entertainment, and recreation | 5 | 2.5% |
| Finance and insurance | 4 | 2.0% |
| Real estate and rental and leasing | 3 | 1.5% |
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 16441 vs 16427 →
ZIP 16441 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 16509
Erie (16509)
26,810 residents
- 16508
Erie (16508)
16,050 residents
- 16441 10,136
Waterford (16441)
10,136 residents
- 16438 8,083
Union City (16438)
8,083 residents
- 16444 1,717
Edinboro (16444)
1,717 residents
- 16546 1,154
Erie (16546)
1,154 residents
- 16427 193
Mill Village (16427)
193 residents
What this shows Among its immediate neighbors, ZIP 16441 ranks #3 by population - useful context the national average alone can't give.
ZIP 16441 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 16441
Waterford (16441)
$81,117 median income
- 16509
Erie (16509)
$68,846 median income
- 16438
Union City (16438)
$65,000 median income
- 16427
Mill Village (16427)
$61,250 median income
- 16508
Erie (16508)
$56,391 median income
What this shows By household income, ZIP 16441 ranks the highest of 5 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 16441, both outside PA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (10,136 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Erie County
Related Areas
Frequently Asked Questions
What county is ZIP code 16441 in?
ZIP code 16441 (Waterford) is located in Erie County, Pennsylvania. Erie County contains multiple ZIP codes, see the full list at /counties/erie-pa.
What is the population of ZIP code 16441?
ZIP code 16441 in Waterford, PA has a population of 10,136 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 16441?
The median household income in ZIP 16441 is $81,117, which is 6% above the national average of $76,288.
What is the average home value in ZIP 16441?
The median home value in ZIP 16441 is $223,900, which is 20% below the national average of $278,155.
What is the demographic makeup of ZIP 16441?
The largest racial group in ZIP 16441 is White at 96.3%. Hispanic or Latino residents make up 3.5% of the population.
How many businesses are in ZIP code 16441?
ZIP code 16441 has 196 business establishments employing approximately 1,749 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 16441?
The top industries by establishment count in ZIP 16441 are: Construction (34), Other services (except public administration) (28), Accommodation and food services (21). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 16441?
According to the FHFA House Price Index, home values in ZIP 16441 increased by 5.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 121%. 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 16441?
In ZIP code 16441, 63.9% of residents aged 25+ have a high school diploma or higher, and 23.3% 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 16441?
The mean commute time for workers in ZIP code 16441 is 27.3 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 16441?
In ZIP code 16441, approximately 84.6% of occupied housing units are owner-occupied and 15.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 16441?
The poverty rate in ZIP code 16441 is 7.6% 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 16441's numbers, next.
- See how ZIP 16441 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waterford, PA 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.