Waterloo, NE · standard
ZIP Code 68069
Douglas County, Nebraska - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,558
- 34/sq mi Moderate-density area
- $111,974
- Median income Above-median income area
- $365,100
- Median home value Above-median home value
- 40.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Waterloo pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 13%
- household income, US ZIPs
- Top 24%
- home value, US ZIPs
- 34
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 68069 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 68069 (Waterloo, NE) rose +22.7% from 2023 to 2024. The all-transactions index moved from 231.9 in 2023 to 284.5 in 2024 (2000 = 100).
ZIP code 68069 covers 75.7 square miles in Waterloo, Douglas County, Nebraska (a standard USPS delivery area), with a modest 2,558 residents on file, a density of 34 people per square mile, in the Chicago time zone.
ZIP 68069 skews affluent, with a median household income of $111,974 (46% above the average Nebraska ZIP), while per-capita income is $78,248. The poverty rate is 3.8%, with unemployment at 8.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $365,100 (95% above the average Nebraska ZIP), while 83.9% of occupied homes are owner-occupied and median rent is $1,382.
A solid share of residents have a four-year degree: 40.5% of adults hold a bachelor's degree or higher, the median age is 53.9, and the average commute is 26 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Douglas County, so 68069 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 68069
Top 5 sectors by establishment count in Waterloo, NE
Which industries have the most business establishments in ZIP 68069.
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
17 establishments
- Construction
Construction
16 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
12 establishments
- Retail trade
Retail trade
9 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
8 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 68069, Waterloo, NE · 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
2,558
Population
75.7
Area (sq mi)
34
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 68069?
53.9
Median Age
53.4%
Male
46.6%
Female
3.0%
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?
$111,974
Median Household Income
+46% vs state ZIP avg
$78,248
Per Capita Income
3.8%
Poverty Rate
8.4%
Unemployment Rate
25.8 min
Mean Commute Time
How ZIP 68069 ranks among Nebraska ZIPs
Waterloo, NE household income vs. every Nebraska ZIP code
Median household income among 556 reporting Nebraska ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$111,974 Top 7% higher than 93% of 556 Nebraska ZIPs
Each bar is a $20K-wide band; taller bars hold more Nebraska 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
1,486housing units
1,486
Total Housing Units
1,377
Occupied Units
109
Vacant Units
2.33
Avg Household Size
Occupancy Type
$365,100
Median Home Value
+95% vs state ZIP avg
$1,382
Median Rent
1982
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
+22.7%
YoY Change (2024)
285
HPI Index (2000 = 100)
+185%
Total Change Since 2000
Home values in ZIP 68069 have increased 22.7% over the past year (2024). Since 2000, this ZIP has seen +185% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -1.2% | 179 |
| 2021 | +6.3% | 191 |
| 2022 | +21.4% | 232 |
| 2023 | +0.2% | 232 |
| 2024 | +22.7% | 285 |
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 101 business establishments in ZIP 68069, employing approximately 833 people with a combined annual payroll of $52,464,000.
101
Businesses
833
Employees
$52.5M
Annual Payroll
10
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Administrative and support and waste management and remediation services | 17 | 16.8% |
| Construction | 16 | 15.8% |
| Professional, scientific, and technical services | 12 | 11.9% |
| Retail trade | 9 | 8.9% |
| Real estate and rental and leasing | 8 | 7.9% |
| Accommodation and food services | 8 | 7.9% |
| Other services (except public administration) | 7 | 6.9% |
| Wholesale trade | 6 | 5.9% |
| Health care and social assistance | 6 | 5.9% |
| Finance and insurance | 4 | 4.0% |
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 68069 vs 68073 →
ZIP 68069 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 68135
Omaha (68135)
25,875 residents
- 68116
Omaha (68116)
25,429 residents
- 68130
Omaha (68130)
17,972 residents
- 68022
Elkhorn (68022)
16,422 residents
- 68136
Omaha (68136)
13,829 residents
- 68028
Gretna (68028)
10,839 residents
- 68118 9,389
Omaha (68118)
9,389 residents
- 68007 7,612
Bennington (68007)
7,612 residents
- 68064 3,376
Valley (68064)
3,376 residents
What this shows Among its immediate neighbors, ZIP 68069 ranks #0 by population - useful context the national average alone can't give.
ZIP 68069 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 68022
Elkhorn (68022)
$148,111 median income
- 68135
Omaha (68135)
$143,676 median income
- 68028
Gretna (68028)
$143,604 median income
- 68007
Bennington (68007)
$141,042 median income
- 68130
Omaha (68130)
$133,570 median income
- 68136
Omaha (68136)
$133,472 median income
- 68118
Omaha (68118)
$133,281 median income
- 68116
Omaha (68116)
$121,165 median income
- 68073
Yutan (68073)
$112,460 median income
What this shows By household income, ZIP 68069 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 68073 | Yutan, NE | 1,960 | 4.8 mi |
| 68022 | Elkhorn, NE | 16,422 | 4.4 mi |
| 68130 | Omaha, NE | 17,972 | 6.3 mi |
| 68064 | Valley, NE | 3,376 | 7.7 mi |
| 68135 | Omaha, NE | 25,875 | 6.8 mi |
| 68118 | Omaha, NE | 9,389 | 7.3 mi |
| 68028 | Gretna, NE | 10,839 | 9.9 mi |
| 68136 | Omaha, NE | 13,829 | 8.5 mi |
| 68116 | Omaha, NE | 25,429 | 8.6 mi |
| 68007 | Bennington, NE | 7,612 | 10.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 68069, both outside NE so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (2,558 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Douglas County
Related Areas
Frequently Asked Questions
What county is ZIP code 68069 in?
ZIP code 68069 (Waterloo) is located in Douglas County, Nebraska. Douglas County contains multiple ZIP codes, see the full list at /counties/douglas-ne.
What is the population of ZIP code 68069?
ZIP code 68069 in Waterloo, NE has a population of 2,558 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 68069?
The median household income in ZIP 68069 is $111,974, which is 47% above the national average of $76,288.
What is the average home value in ZIP 68069?
The median home value in ZIP 68069 is $365,100, which is 31% above the national average of $278,155.
What is the demographic makeup of ZIP 68069?
The largest racial group in ZIP 68069 is White at 91.6%. Hispanic or Latino residents make up 2.7% of the population.
How many businesses are in ZIP code 68069?
ZIP code 68069 has 101 business establishments employing approximately 833 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 68069?
The top industries by establishment count in ZIP 68069 are: Administrative and support and waste management and remediation services (17), Construction (16), Professional, scientific, and technical services (12). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 68069?
According to the FHFA House Price Index, home values in ZIP 68069 increased by 22.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 185%. 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 68069?
In ZIP code 68069, 63.8% of residents aged 25+ have a high school diploma or higher, and 40.5% 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 68069?
The mean commute time for workers in ZIP code 68069 is 25.8 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 68069?
In ZIP code 68069, approximately 83.9% of occupied housing units are owner-occupied and 16.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 68069?
The poverty rate in ZIP code 68069 is 3.8% 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 68069's numbers, next.
- See how ZIP 68069 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waterloo, NE 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.