ZIP Code 95215 — Waterloo CDP, CA Demographics & Data

ZIP code 95215 covers Waterloo, CA in San Joaquin County with a population of about 26,032.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 209, 350; U.S. House district CA-9; the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95215 is about $68,189 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.8%; unemployment rate near 9.8%; 9.4% of adults with a bachelor’s degree or higher (about 24.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Construction, and Retail trade; about 8.3% of workers reporting work-from-home (about 6.9 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 $378,900 — about 9% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,003 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 61.0% (about 4.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95215 in Waterloo, CA, a household would need roughly $104,000 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 $2,434. That is about 53% above the local median household income ($68,189), so the median earner would likely stretch or need a larger down payment. 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 Waterloo CDP, CA as Relatively High (composite score 98.6), which is among the highest nationally. The strongest component scores on US5 are flood (97.7) and wildfire (92.0). 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 Waterloo CDP, CA show little to no average snow and around 13.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,281 for ZIP 95215 (Waterloo CDP, CA) 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.