ZIP Code 05676 — Waterbury CDP, VT Demographics & Data

ZIP code 05676 covers Waterbury, VT in Washington County with a population of about 4,894.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area code 802; U.S. House district VT-00; the BURLINGTON - PLATTSBURGH media market.

Median household income in ZIP 05676 is about $91,488 — about 22% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 4.0%; 53.1% of adults with a bachelor’s degree or higher (about 19.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Manufacturing; about 20.6% of workers reporting work-from-home (about 5.4 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $347,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $886 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 66.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05676 in Waterbury, VT, a household would need roughly $96,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,229. That is roughly in line with the local median household income ($91,488). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Waterbury CDP, VT as Relatively Low (composite score 52.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (70.9) and hurricane (67.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Waterbury CDP, VT show little to no average snow.

IRS migration statistics show a net inflow of about 252 for ZIP 05676 (Waterbury CDP, VT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.