PlainZIP

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
$81,117
Median income
$223,900
Median home value
23.3%
Bachelor's or higher

The verdict

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.

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 Pennsylvania average), while per-capita income is $44,817. The poverty rate stands at 7.6% and the unemployment rate at 5.7%. On housing, the median home value is $223,900 (1% below the state average) with median rent at $799 per month, and 84.6% of occupied units 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. To put 16441 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Erie 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 16441

Top 5 sectors by establishment count in Waterford, PA

Which industries have the most business establishments in ZIP 16441.

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 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

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 16441?

45.3

Median Age

53.4%

Male

46.6%

Female

0.4%

Foreign-Born

White 96.3%
African American 0.1%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.2%
Hispanic or Latino 3.5%

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

$44,817

Per Capita Income

7.6%

Poverty Rate

5.7%

Unemployment Rate

27.3 min

Mean Commute Time

How ZIP 16441 ranks nationally

Waterford, PA household income vs. every US ZIP code

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

$81,117 Top 37% higher than 63% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 63.9%
Bachelor's Degree or Higher 23.3%

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

What does housing look like?

3,956

Total Housing Units

3,699

Occupied Units

257

Vacant Units

2.47

Avg Household Size

Occupancy Type

Owner 84.6%
Renter 15.4%

$223,900

Median Home Value

-1% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 16441 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 16441 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 16441 ranks the highest of 5 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
16427 Mill Village, PA 193 5.5 mi
16509 Erie, PA 26,810 7.6 mi
16438 Union City, PA 8,083 8.6 mi
16546 Erie, PA 1,154 10.8 mi
16444 Edinboro, PA 1,717 9.1 mi
16508 Erie, PA 16,050 11.1 mi

More ZIP Codes in Erie County

16509 standard
Erie, PA
Pop: 26,810
16510 standard
Erie, PA
Pop: 25,625
16506 standard
Erie, PA
Pop: 23,720
16504 standard
Erie, PA
Pop: 17,322
16505 standard
Erie, PA
Pop: 17,168
16503 standard
Erie, PA
Pop: 16,850

Related Areas

Erie County Waterford, PA Pennsylvania

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.

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