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
- $111,974
- Median income
- $365,100
- Median home value
- 40.5%
- Bachelor's or higher
The verdict
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.
ZIP code 68069 is classified by USPS as a standard delivery area and covers roughly 75.7 square miles in Waterloo, Douglas County, Nebraska. The area is home to 2,558 residents, producing a population density of 34 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 68069 against Nebraska and the nation.
On the economic side, the median household income for ZIP 68069 sits at $111,974 (46% above the Nebraska average), while per-capita income is $78,248. The poverty rate stands at 3.8% and the unemployment rate at 8.4%. On housing, the median home value is $365,100 (95% above the state average) with median rent at $1,382 per month, and 83.9% of occupied units are owner-occupied, a direct signal of whether 68069 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 40.5% of adults hold a bachelor's degree or higher, the median age is 53.9, and the average commute is 26 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Douglas County, so you can benchmark 68069 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 68069
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$78,248
Per Capita Income
3.8%
Poverty Rate
8.4%
Unemployment Rate
25.8 min
Mean Commute Time
How ZIP 68069 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$111,974 Top 13% higher than 87% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
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
$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 |
More ZIP Codes in Douglas County
Related Areas
Frequently Asked Questions
What county is ZIP code 68069 in? ▼
What is the population of ZIP code 68069? ▼
What is the median household income in ZIP 68069? ▼
What is the average home value in ZIP 68069? ▼
What is the demographic makeup of ZIP 68069? ▼
How many businesses are in ZIP code 68069? ▼
What are the main industries in ZIP code 68069? ▼
How have home values changed in ZIP code 68069? ▼
What is the education level in ZIP code 68069? ▼
What is the average commute time in ZIP 68069? ▼
What percentage of residents own vs. rent in ZIP 68069? ▼
What is the poverty rate in ZIP code 68069? ▼
ZIP Code Research Guides
Official Data Resources for Waterloo, NE
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.