ZIP Code 06704 — Waterbury city, CT Demographics & Data

ZIP code 06704 covers Waterbury, CT in New Haven County with a population of about 30,666.

At a glance, the area shows median age of 35.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 203, 475; U.S. House district CT-5; the HARTFORD & NEW HAVEN media market.

Waterbury, CT sits in a university / college context (near university of connecticut-waterbury campus (2.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 06704 is about $47,848 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.6%; unemployment rate near 11.9%; 13.7% of adults with a bachelor’s degree or higher (about 20.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 6.6% of workers reporting work-from-home (about 8.6 points below 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 $178,500 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $881 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 43.0% (about 22.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 06704 in Waterbury, CT, a household would need roughly $49,000 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 $1,147. That is roughly in line with the local median household income ($47,848). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Climate normals for Waterbury city, CT show little to no average snow and around 44.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,693 for ZIP 06704 (Waterbury city, CT) 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.