62298 ZIP Code
Waterloo, Illinois
December 15, 2025
| ZIP Code: | 62298 |
| City/Town: | Waterloo |
| County: | Monroe |
| State: | Illinois |
| ZIP Type: | Standard |
| Population: | 17,192 |
| Median Household Income: | $93,066 |
| Per Capita Income: | $52,223 |
| Total Housing Units: | 7,361 |
| Median Home Value: | $246,600 |
| Land Area: | 143.0 sq miles
370.5 sq km |
| Water Area: | 1.6 sq miles
4.1 sq km |
| Coordinates: | 38.3088, -90.1494 |
Population Information (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 17,192 | -- | -- |
| Male: | 8,611 | 50.1% | 49.6% |
| Female: | 8,581 | 49.9% | 50.4% |
| Median Age: | 43.4 yrs | -- | 38.5 yrs |
| Under 5 years: | 848 | 4.9% | 5.7% |
| 5 to 9 years: | 800 | 4.7% | 6.0% |
| 10 to 14 years: | 1,106 | 6.4% | 6.5% |
| 15 to 19 years: | 970 | 5.6% | 6.6% |
| 20 to 24 years: | 1,143 | 6.6% | 6.7% |
| 25 to 34 years: | 1,679 | 9.8% | 13.7% |
| 35 to 44 years: | 2,257 | 13.1% | 12.9% |
| 45 to 54 years: | 2,215 | 12.9% | 12.4% |
| 55 to 59 years: | 1,367 | 8.0% | 6.5% |
| 60 to 64 years: | 1,385 | 8.1% | 6.4% |
| 65 to 74 years: | 2,086 | 12.1% | 9.7% |
| 75 to 84 years: | 828 | 4.8% | 4.8% |
| 85 years and over: | 508 | 3.0% | 2.0% |
Housing Information (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $246,600 | -- | $281,900 |
| Median rooms: | 6.1 | -- | 5.5 |
| Median rent: | $856 / mo. | -- | $1,268 / mo. |
| Total housing units: | 7,361 | -- | -- |
| Occupied housing units: | 6,862 | 93.2% | 38.0% |
| Vacant housing units: | 499 | 6.8% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 5,752 | 83.8% | 64.8% |
| Renter-occupied: | 1,110 | 16.2% | 35.2% |
Educational Attainment (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 12,325 | -- | -- |
| Less than 9th grade: | 79 | 0.6% | 4.7% |
| 9th to 12th grade, no diploma: | 487 | 4.0% | 6.1% |
| High school graduate: | 3,298 | 26.8% | 26.4% |
| Some college, no degree: | 2,939 | 23.8% | 19.7% |
| Associate degree: | 1,364 | 11.1% | 8.7% |
| Bachelor's degree: | 2,784 | 22.6% | 20.9% |
| Graduate or professional degree: | 1,374 | 11.1% | 13.7% |
| Percent high school graduate or higher: | -- | 95.4% | 89.1% |
| Percent bachelor's degree or higher: | -- | 33.7% | 34.3% |
Income Information (62298 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $93,066 / yr. | $75,149 / yr. |
| Mean household income: | $111,881 / yr. | $105,833 / yr. |
| Median family income: | $120,732 / yr. | $92,646 / yr. |
| Per capita income: | $52,223 / yr. | $41,261 / yr. |
Employment (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 9,222 | -- | 63.5% |
| Employed: | 9,010 | 97.9% | 96.4% |
| Unemployed: | 189 | 2.1% | 5.3% |
| Not in labor force: | 4,946 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 7,461 | 82.8% | 79.7% |
| Government workers: | 1,200 | 13.3% | 14.2% |
| Self-employed: | 349 | 3.9% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 16,711 | 97.2% | 61.6% |
| Black or African American: | 98 | 0.6% | 12.4% |
| American Indian/Alaska Native: | 40 | 0.2% | 1.1% |
| Asian: | 174 | 1.0% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 25 | 0.1% | 8.4% |
| Two or more races: | 144 | 0.8% | 10.2% |
| Hispanic or Latino (any race): | 96 | 0.6% | 18.7% |
| Mexican: | 117 | 0.7% | 11.2% |
| Puerto Rican: | 117 | 0.7% | 1.8% |
| Cuban: | 0 | 0.0% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 0 | 0.0% | 81.1% |
Income Distribution (62298 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 158 | 2.3% | 4.9% |
| $10,000 to $14,999: | 138 | 2.0% | 3.8% |
| $15,000 to $24,999: | 617 | 9.0% | 7.0% |
| $25,000 to $34,999: | 219 | 3.2% | 7.4% |
| $35,000 to $49,999: | 551 | 8.0% | 10.7% |
| $50,000 to $74,999: | 991 | 14.4% | 16.1% |
| $75,000 to $99,999: | 966 | 14.1% | 12.8% |
| $100,000 to $149,999: | 1,499 | 21.8% | 17.1% |
| $150,000 to $199,999: | 918 | 13.4% | 8.8% |
| $200,000 or more: | 805 | 11.7% | 11.4% |
Commute to Work (62298 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 7,152 | 79.4% | 67.8% |
| Carpooled: | 585 | 6.5% | 8.7% |
| Public transportation: | 1 | 0.0% | 4.2% |
| Walked: | 197 | 2.2% | 2.5% |
| Other means: | 178 | 2.0% | 0.9% |
| Worked from home: | 867 | 9.6% | 13.8% |
| Mean travel time to work: | 30.4 min | -- | 26.7 min |
Industry (62298 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 288 | 3.2% | 1.6% |
| Construction: | 468 | 5.2% | 6.9% |
| Manufacturing: | 1,023 | 11.4% | 10.0% |
| Wholesale trade: | 180 | 2.0% | 2.4% |
| Retail trade: | 1,160 | 12.9% | 11.0% |
| Transportation, warehousing, utilities: | 630 | 7.0% | 5.8% |
| Information: | 130 | 1.4% | 1.9% |
| Finance, insurance, real estate: | 913 | 10.1% | 6.7% |
| Professional, scientific, management: | 643 | 7.1% | 12.1% |
| Education, health care, social services: | 2,183 | 24.2% | 23.3% |
| Arts, entertainment, food services: | 792 | 8.8% | 9.0% |
| Other services: | 264 | 2.9% | 4.7% |
| Public administration: | 336 | 3.7% | 4.7% |
Poverty Status (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 3.9% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 16,650 | 96.8% | 91.3% |
| Private health insurance: | 14,248 | 82.9% | 67.6% |
| Public health coverage: | 4,908 | 28.5% | 35.9% |
| Without health insurance: | 355 | 2.1% | 8.7% |
Benefits & Assistance (62298 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 5,248 | 76.5% | 77.4% |
| Social Security income: | 2,570 | 37.5% | 31.0% |
| Retirement income: | 2,153 | 31.4% | 21.8% |
| Supplemental Security Income (SSI): | 309 | 4.5% | 4.5% |
| Cash public assistance income: | 144 | 2.1% | 1.8% |
| SNAP (food stamps) benefits: | 437 | 6.4% | 11.4% |
Housing Types (62298 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 6,078 | 82.6% | 61.4% |
| 1-unit, attached: | 314 | 4.3% | 6.1% |
| 2 units: | 185 | 2.5% | 3.4% |
| 3 or 4 units: | 147 | 2.0% | 4.3% |
| 5 to 9 units: | 325 | 4.4% | 4.6% |
| 10 to 19 units: | 104 | 1.4% | 4.3% |
| 20 or more units: | 113 | 1.5% | 9.9% |
| Mobile home: | 95 | 1.3% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (62298 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 18 | 0.2% | 0.6% |
| Built 2010 to 2019: | 920 | 12.5% | 8.2% |
| Built 2000 to 2009: | 1,391 | 18.9% | 13.5% |
| Built 1990 to 1999: | 1,463 | 19.9% | 13.2% |
| Built 1980 to 1989: | 516 | 7.0% | 13.2% |
| Built 1970 to 1979: | 674 | 9.2% | 14.6% |
| Built 1960 to 1969: | 687 | 9.3% | 10.2% |
| Built 1950 to 1959: | 628 | 8.5% | 9.9% |
| Built 1940 to 1949: | 356 | 4.8% | 4.6% |
| Built 1939 or earlier: | 708 | 9.6% | 12.0% |
Bedrooms (62298 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 44 | 0.6% | 2.4% |
| 1 bedroom: | 420 | 5.7% | 3.0% |
| 2 bedrooms: | 1,618 | 22.0% | 9.1% |
| 3 bedrooms: | 3,437 | 46.7% | 15.9% |
| 4 bedrooms: | 1,350 | 18.3% | 18.8% |
| 5 or more bedrooms: | 492 | 6.7% | 17.6% |
Heating Fuel (62298 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 3,150 | 45.9% | 47.1% |
| Bottled, tank, or LP gas: | 1,627 | 23.7% | 4.9% |
| Electricity: | 1,902 | 27.7% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 122 | 1.8% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 13 | 0.2% | 0.5% |
| No fuel used: | 48 | 0.7% | 0.2% |
Vehicles Available (62298 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 296 | 4.3% | 8.3% |
| 1 vehicle available: | 1,457 | 21.2% | 32.6% |
| 2 vehicles available: | 2,989 | 43.6% | 37.0% |
| 3 or more vehicles available: | 2,120 | 30.9% | 22.1% |
Home Value Distribution (62298 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 108 | 1.9% | 5.7% |
| $50,000 to $99,999: | 160 | 2.8% | 7.8% |
| $100,000 to $149,999: | 606 | 10.5% | 9.2% |
| $150,000 to $199,999: | 1,092 | 19.0% | 10.8% |
| $200,000 to $299,999: | 1,812 | 31.5% | 19.9% |
| $300,000 to $499,999: | 1,672 | 29.1% | 24.1% |
| $500,000 to $999,999: | 269 | 4.7% | 17.0% |
| $1,000,000 or more: | 33 | 0.6% | 5.6% |
Housing Costs (62298 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,865 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $704 / mo. | $584 / mo. |
| Median gross rent: | $856 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.61 | 2.53 |
| Average household size (renter-occupied): | 1.79 | 2.38 |
Households (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 6,862 | -- | -- |
| Married-couple households: | 4,086 | 59.5% | 47.5% |
| Cohabiting couple households: | 1,346 | 19.6% | 7.0% |
| Male householder, no spouse: | 969 | 14.1% | 5.4% |
| Female householder, no spouse: | 1,408 | 20.5% | 12.7% |
| Householder living alone: | 1,931 | 28.1% | 28.6% |
| 65 years and over living alone: | 2,439 | 35.5% | 11.8% |
| Average household size: | 2.48 | -- | 2.53 |
| Average family size: | 2.93 | -- | -- |
Marital Status (62298 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 7,270 | -- | -- |
| Never married: | 2,026 | 27.9% | 37.0% |
| Now married: | 4,101 | 56.4% | 49.5% |
| Separated: | 351 | 4.8% | 1.5% |
| Widowed: | 771 | 10.6% | 2.6% |
| Divorced: | 1,372 | 18.9% | 9.3% |
School Enrollment (62298 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 3,500 | -- | -- |
| Nursery school, preschool: | 303 | 8.7% | 5.8% |
| Kindergarten: | 182 | 5.2% | 5.0% |
| Elementary school (grades 1-8): | 1,439 | 41.1% | 40.5% |
| High school (grades 9-12): | 786 | 22.5% | 21.4% |
| College or graduate school: | 790 | 22.6% | 27.3% |
Veterans & Disability (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 13,874 | -- | -- |
| Veterans: | 1,265 | 9.1% | 6.3% |
| Civilian noninstitutionalized population: | 17,005 | -- | -- |
| With a disability: | 2,002 | 11.8% | 13.4% |
| Under 18 with disability: | 139 | 6.9% | 5.8% |
| 18 to 64 with disability: | 849 | 42.4% | 10.4% |
| 65 and over with disability: | 1,014 | 50.6% | 33.4% |
Mobility (Residence 1 Year Ago) (62298 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 16,013 | 93.1% | 86.9% |
| Different house: | 974 | 5.7% | 13.1% |
| Same county: | 537 | 55.1% | 7.0% |
| Different county: | 437 | 44.9% | 3.2% |
| Different state: | 138 | 14.2% | 2.5% |
| Abroad: | 0 | 0.0% | 0.4% |
Place of Birth (62298 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 17,006 | 98.9% | 86.2% |
| Foreign born: | 60 | 0.3% | 13.9% |
| Naturalized citizen: | 186 | 310.0% | 52.7% |
| Not a citizen: | 186 | 310.0% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 186 | 310.0% | 10.5% |
| Asia: | 16 | 26.7% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 32 | 53.3% | 50.0% |
| Northern America: | 0 | 0.0% | 2.2% |
Language Spoken at Home (62298 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 16,344 | -- | -- |
| English only: | 16,051 | 98.2% | 78.3% |
| Language other than English: | 293 | 1.8% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 131 | 0.8% | 13.3% |
| Other Indo-European languages: | 74 | 0.5% | 3.5% |
| Asian/Pacific Island languages: | 88 | 0.5% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (62298 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 6,862 | 100.0% | 93.1% |
| Households with broadband internet: | 6,315 | 92.0% | 89.4% |
Waterloo, IL62298