Zip code 13165: Waterloo, New York

Q: What city is zip code 13165?

13165 is assigned to Waterloo, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 13165 in?

13165 is in Seneca County, New York.

Q: What is the population of 13165?

About 9,458 people live in 13165, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 13165?

The median household income in 13165 is $59,981.

Q: What zip codes are near 13165?

The closest zip codes to 13165 are 13148, 14518, 13065, 14456, 14532.

Residential delivery areaSeneca CountyEastern Time

Population

9,458

Median household income

$60K

U.S. $81K

Median home value

$122K

U.S. $333K

Median rent

$929/mo

U.S. $1,413

Median age

47.6

U.S. 38.9

Land area

68 sq mi

139 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 13165

13165 is a small-town zip code in Waterloo, New York (Seneca County), covering 68 sq mi of land. About 9,458 people live here, or 139 per square mile. The median resident is 47.6 years old, compared with 38.9 nationally.

The median household earns $59,981 a year, 26% below the national median of $80,734. 10.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $121,600, or 2.0 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 69% of occupied homes are lived in by their owners, and renters pay a median of $929 a month.

22% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 21.3 minutes each way, and 9% of workers work from home. The most common jobs among working residents are in construction and repair; transportation and moving goods; and office and administrative support.

How 13165 compares

Sorted from highest to lowest national percentile

Residents 65 and older26.3%
94th
U.S. 17.2% · NY 17.9%328th of 1,693 in NY
Veterans11%
93rd
U.S. 6.2% · NY 3.7%169th of 1,693 in NY
Median age47.6
92nd
U.S. 38.9 · NY 39.8495th of 1,693 in NY
Unemployment rate6.3%
72nd
U.S. 5.2% · NY 6.4%512th of 1,685 in NY
Government workers16.4%
68th
U.S. 14.5% · NY 16.4%1,012th of 1,685 in NY
Housing vacancy7.7%
58th
U.S. 10.1% · NY 10%1,000th of 1,675 in NY
Income inequality (Gini)0.439
54th
U.S. 0.483 · NY 0.517676th of 1,669 in NY
Homeownership rate68.9%
51st
U.S. 65.2% · NY 54.3%1,203rd of 1,673 in NY
Poverty rate10.6%
48th
U.S. 12.5% · NY 14%749th of 1,679 in NY
Median earnings per worker$46,818
46th
U.S. $49,666 · NY $55,3211,096th of 1,676 in NY
Uninsured rate5.9%
42nd
U.S. 8.4% · NY 5.1%396th of 1,689 in NY
Per capita income$36,399
39th
U.S. $44,673 · NY $50,7121,131st of 1,690 in NY
Work from home9.3%
30th
U.S. 15.1% · NY 14.9%1,053rd of 1,685 in NY
Rent-burdened renters45.1%
29th
U.S. 51.1% · NY 52.1%942nd of 1,579 in NY
Healthcare workers8%
28th
U.S. 9.7% · NY 11.8%1,177th of 1,685 in NY
Bachelor's degree or higher21.6%
25th
U.S. 35.7% · NY 40.2%1,264th of 1,691 in NY
Foreign-born residents4.2%
25th
U.S. 14.1% · NY 22.8%923rd of 1,693 in NY
Median household income$59,981
20th
WeaknessU.S. $80,734 · NY $85,9741,360th of 1,602 in NY
Average commute21.3 min
19th
StrengthU.S. 26.4 min · NY 32.6 min1,286th of 1,618 in NY
Broadband access86.8%
18th
WeaknessU.S. 91% · NY 90.8%1,269th of 1,673 in NY
Residents under 1817.9%
18th
U.S. 22% · NY 20.5%1,086th of 1,693 in NY
Population density139/sq mi
17th
U.S. 95/sq mi · NY 421/sq mi933rd of 1,693 in NY
Diversity index23.8
17th
U.S. 61.4 · NY 65.5905th of 1,693 in NY
Median gross rent$929
16th
U.S. $1,413 · NY $1,621993rd of 1,367 in NY
Population9,458
15th
U.S. 334,922,499 · NY 19,852,366534th of 1,693 in NY
Median home value$121,600
5th
U.S. $332,700 · NY $423,8001,451st of 1,614 in NY
Tech workers0.4%
5th
U.S. 3.8% · NY 3.5%1,282nd of 1,685 in NY
Self-employed workers5%
4th
U.S. 10% · NY 9.7%1,478th of 1,685 in NY

Measure	13165	Seneca	NY	U.S.	National percentile	Rank in NY
Residents 65 and older	26.3%	21.6%	17.9%	17.2%	94th	328th of 1,693
Veterans	11%	7.7%	3.7%	6.2%	93rd	169th of 1,693
Median age	47.6	43	39.8	38.9	92nd	495th of 1,693
Unemployment rate	6.3%	4.5%	6.4%	5.2%	72nd	512th of 1,685
Government workers	16.4%	19.6%	16.4%	14.5%	68th	1,012th of 1,685
Housing vacancy	7.7%	16%	10%	10.1%	58th	1,000th of 1,675
Income inequality (Gini)	0.439	0.460	0.517	0.483	54th	676th of 1,669
Homeownership rate	68.9%	71%	54.3%	65.2%	51st	1,203rd of 1,673
Poverty rate	10.6%	13.5%	14%	12.5%	48th	749th of 1,679
Median earnings per worker	$46,818	$46,185	$55,321	$49,666	46th	1,096th of 1,676
Uninsured rate	5.9%	9%	5.1%	8.4%	42nd	396th of 1,689
Per capita income	$36,399	$37,704	$50,712	$44,673	39th	1,131st of 1,690
Work from home	9.3%	8.6%	14.9%	15.1%	30th	1,053rd of 1,685
Rent-burdened renters	45.1%	44.6%	52.1%	51.1%	29th	942nd of 1,579
Healthcare workers	8%	6.8%	11.8%	9.7%	28th	1,177th of 1,685
Bachelor's degree or higher	21.6%	25.2%	40.2%	35.7%	25th	1,264th of 1,691
Foreign-born residents	4.2%	3%	22.8%	14.1%	25th	923rd of 1,693
Median household incomeWeakness	$59,981	$68,089	$85,974	$80,734	20th	1,360th of 1,602
Average commuteStrength	21.3 min	21.3 min	32.6 min	26.4 min	19th	1,286th of 1,618
Broadband accessWeakness	86.8%	86.4%	90.8%	91%	18th	1,269th of 1,673
Residents under 18	17.9%	20.3%	20.5%	22%	18th	1,086th of 1,693
Population density	139/sq mi	102/sq mi	421/sq mi	95/sq mi	17th	933rd of 1,693
Diversity index	23.8	23.4	65.5	61.4	17th	905th of 1,693
Median gross rent	$929	$957	$1,621	$1,413	16th	993rd of 1,367
Population	9,458	32,920	19,852,366	334,922,499	15th	534th of 1,693
Median home value	$121,600	$155,400	$423,800	$332,700	5th	1,451st of 1,614
Tech workers	0.4%	1.2%	3.5%	3.8%	5th	1,282nd of 1,685
Self-employed workers	5%	9.4%	9.7%	10%	4th	1,478th of 1,685

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

13%

5–17

18–24

12%

25–34

10%

35–44

11%

45–54

15%

55–64

14%

65–74

12%

75+

Median age

47.6

Under 18

17.9%

65 and over

26.3%

Race and ethnicity

White87%
Black2%
Hispanic7%
Asian0.2%
Native American0%
Pacific Islander0%
Other0.5%
Multiracial4%

Diversity index

23.8

U.S. 61.4

Foreign-born

4.2%

U.S. 14.1%

Born in state

80.7%

Language spoken at home (households)

English only

92%

Spanish

Other Indo-European

Asian / Pacific

0.1%

Other

0.4%

Households

Households: 4,355
Average household size: 2.1
Family households: 51.1%
Married couples: 37.4%
Living alone: 41.9%
Veterans (of adults): 11%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

19%

$25–50k

23%

$50–75k

18%

$75–100k

16%

$100–150k

13%

$150–200k

$200k+

Median household income

13165

$59,981

Seneca Co.

$68,089

New York

$85,974

United States

$80,734

Per capita income

$36,399

U.S. $44,673

Poverty rate

10.6%

U.S. 12.5%

Households earning $150K+

10.2%

U.S. 23%

Income inequality (Gini)

0.439

U.S. 0.483

Housing

Median home value

13165

$121,600

Seneca Co.

$155,400

New York

$423,800

United States

$332,700

Median gross rent

13165

$929

Seneca Co.

$957

New York

$1,621

United States

$1,413

Types of housing

Single-family

65%

2–4 units

15%

5–19 units

20+ units

Mobile home

13%

Boat, RV, van

Housing units: 4,716
Owner-occupied: 68.9%
Vacant: 7.7%
Median year built: 1961
Median rooms: 6.1
Renters paying 30%+ of income: 45.1%
Renters paying 50%+ of income: 15.6%
Home value to income: 2.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

78%

Carpooled

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

19%

10–19

35%

20–29

18%

30–44

16%

45–59

60+

Average commute

21.3 min

U.S. 26.4 min

Unemployment

6.3%

U.S. 5.2%

In labor force

55.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

12%

Transportation and moving

11%

Office and admin

10%

Production

Management

Healthcare

Food service

Education

Engineering and science

Sales

Cleaning and personal care

Business and finance

Farming, fishing and forestry

Police and fire

Legal and social services

Arts, media and sports

Computer and math

0.4%

Industries

Manufacturing

17%

Health care and social assistance

16%

Education

11%

Retail

11%

Information

Public administration

Construction

Restaurants and hotels

Finance, insurance and real estate

Agriculture and mining

Transportation, warehousing and utilities

Other services

Arts and recreation

Wholesale

Professional and technical services

Admin, support and management

0.9%

Median earnings per worker

$46,818

U.S. $49,666

Self-employed

U.S. 10%

Government workers

16.4%

U.S. 14.5%

Nonprofit workers

8.4%

U.S. 8.8%

Median earnings by type of work

Type of work	13165	U.S.
Management, business, science and arts	$55,964	$74,888
Service	$43,920	$26,804
Sales and office	$47,675	$40,476
Construction and maintenance	$32,417	$49,199
Production and transportation	$49,750	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

37%

Some college

17%

Associate's

15%

Bachelor's

13%

Graduate

High school graduate or higher: 91.2%
Bachelor's degree or higher: 21.6%
Graduate or professional degree: 8.7%
Households with broadband: 86.8%
Cable, fiber or DSL: 73.5%
No internet access: 11.9%
Without health insurance: 5.9%
Limited-English households: 1.1%

Geography

City (USPS): Waterloo
State: New York
County: Seneca County
Center point: 42.9108° N, 76.8786° W
Land area: 68 sq mi
Water area: 0.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Waterloo3% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 13165

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
13148	Seneca Falls, NY	5.1 mi	10,749	$65,313	$149,300
14518	Oaks Corners, NY · PO box	6.9 mi	—	—	—
13065	Fayette, NY	7.1 mi	80	—	—
14456	Geneva, NY	7.5 mi	19,756	$81,310	$186,300
14532	Phelps, NY	8.6 mi	4,165	$81,923	$170,500
13034	Cayuga, NY	9.2 mi	2,029	$104,154	$175,700
14541	Romulus, NY	10 mi	3,713	$77,375	$232,200
13117	Montezuma, NY	11 mi	132	$63,250	$165,000
14547	Seneca Castle, NY · PO box	11 mi	—	—	—
14433	Clyde, NY	12 mi	4,404	$66,587	$106,100
14463	Hall, NY	13 mi	255	$46,250	$157,900
14415	Bellona, NY	13 mi	77	$114,028	—

Zip codes like 13165 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 13165

What city is zip code 13165?

13165 is assigned to Waterloo, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 13165 in?

13165 is in Seneca County, New York.

What is the population of 13165?

About 9,458 people live in 13165, according to the Census Bureau's American Community Survey.

What time zone is 13165 in?

13165 is in Eastern Time.

What is the median household income in 13165?

The median household income in 13165 is $59,981.

What zip codes are near 13165?

The closest zip codes to 13165 are 13148, 14518, 13065, 14456, 14532.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 13165, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.