ZIP Code 52170 — Waterville city, IA Demographics & Data

ZIP code 52170 covers Waterville, IA in Allamakee County with a population of about 527.

At a glance, the area shows median age of 58.7 versus a U.S. median of about 38.9.

It sits in telephone area code 563; U.S. House district IA-2; the CEDAR RAPIDS - WTRLO - IWC&DUB media market.

Waterville, IA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 52170 is about $67,370 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.9%; unemployment rate near 0.0%; 14.6% of adults with a bachelor’s degree or higher (about 19.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Retail trade, and Healthcare; about 24.6% of workers reporting work-from-home (about 9.4 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 $226,100 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.2% (about 28.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 52170 in Waterville, IA, a household would need roughly $62,000 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 $1,452. That is roughly in line with the local median household income ($67,370). 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 Waterville city, IA as Very Low (composite score 38.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (50.5) and wildfire (16.7). 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 Waterville city, IA show little to no average snow and around 39.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 30 for ZIP 52170 (Waterville city, IA) 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.