Population & age
- Total population
- 30,124
- Median age
- 36.4
Waterbury, CT (06704)
New Haven County · Population 30,124
Fresh.Data current as of Apr 24, 2026
Waterbury, CT (ZIP 06704) sits in New Haven County. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Obesity comes in above the national average at 43.3%. NCES lists 9 schools serving the area, 9 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $16,327. 31% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. FEMA has issued 36 federal disaster declarations affecting this ZIP since 1978 — a high-frequency exposure profile. 31.3% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $47,736, fair market rent of $1,730 for a two-bedroom, and a typical home value of $257,710, up 1.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Demographics
Race & ethnicity
- White
- 35.5%
- Black
- 37.3%
- Asian
- 1.2%
- Hispanic / Latino
- 43.9%
- Other / multi-racial
- 25.7%
Income & housing
- Median household income
- $47,736
- Median home value
- $157,800
Education
- Bachelor's degree or higher (age 25+)
- 11.3%
Employment
- Unemployment rate
- 12.6%
Housing
- Owner-occupied
- 5,351(44.8%)
- Renter-occupied
- 6,582(55.2%)
- Vacant units
- 1,271
- Built (median)
- 1957
Commute
- Public transit
- 610(4.9%)
- Work from home
- 854(6.9%)
- Avg commute
- 24.8 min
Economic wellbeing
- Below poverty line
- 7,523(25.2%)
- Uninsured
- 269(0.9%)
Digital access
- Broadband access
- 9,781(82.0%)
- No broadband
- 2,152(18.0%)
Language & nativity
- Foreign-born
- 5,135(17.0%)
- Non-English at home
- 11,675(41.1%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,210
/month
1 Bed
$1,400
/month
2 Bed
$1,730
/month
3 Bed
$2,140
/month
4 Bed
$2,520
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$257,710
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+1.6%
vs. March 2025
5-year change
+82.0%
vs. March 2021
Metro area
New Haven-Milford, CT
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
Income & tax statistics
Tax returns filed
11,930
Average AGI
$41,118
Avg property tax
$147
EITC participation
31.4%
Income distribution
- $1 – $25,00040.2% · 4,790
- $25,000 – $50,00032.2% · 3,840
- $50,000 – $75,00014.3% · 1,710
- $75,000 – $100,0006.9% · 820
- $100,000 – $200,0005.9% · 700
- $200,000 or more0.6% · 70
Avg mortgage interest
$142
Avg charitable contribution
$241
Avg capital gains
$317
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $490.5M across all reported brackets.
Business & employment
Business establishments
336
Total employment
4,128
Annual payroll
$173.3M
Average annual pay
$41,981
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Banking access
FDIC-insured bank branches
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$482.3M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
- 1.Bank of America, National Association$283.8M · 1 branch
- 2.Webster Bank, National Association$93.9M · 1 branch
- 3.Wells Fargo Bank, National Association$72.6M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Community health centers
Federally funded health-center sites
2
Multiple health-center sites
A handful of federally funded community health centers serve residents — typical of mid-density suburban and small-urban areas.
FQHC sites
2
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
49
across sites in this ZIP
Sites in this ZIP
- 1.Waterbury Health & Wellness Center
- 2.Wilby High School SBHC
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Alternative-fuel stations
Public EV charging stations
12
Strong EV charging coverage
A robust public-charging footprint, including multiple networks. EV ownership is straightforward even without a home charger.
Level 2 ports
45
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- eVgo Network
- Non-Networked
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Federal Disaster Declarations
Federally Declared Disasters
36
Date Range
1978–2024
Most Recent Declaration
HAWTHORNE FIRE
Fire — declared October 24, 2024 (DR-5542)
Incident period: October 21, 2024
Top Incident Types
- Hurricane11 (31%)
- Severe Storm9 (25%)
- Snowstorm8 (22%)
- Flood3 (8%)
- Biological2 (6%)
- Other3 (8%)
Individual Assistance
5
Direct help to disaster survivors
Households Program
8
Housing & temporary lodging support
Public Assistance
32
Repair of public facilities & roads
Hazard Mitigation
14
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Air quality
Median daily AQI
41
GoodGood 260dModerate 94dUSG 11dUnhealthy 1d
Peak AQI (2024)
156
Unhealthy
Primary pollutant
Ozone
206 days as main pollutant
Days measured
366
Based on New Haven County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
7,774
That is roughly 426 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
—
of adults self-report
Poor physical health days
—
avg per adult per month
Poor mental health days
—
avg per adult per month
Uninsured
—
of residents under 65
Primary care MDs
85
per 100,000 residents
Preventable hospital stays
2,760
per 100K Medicare enrollees
Food environment (0-10)
—
10 = best access & security
Exercise access
—
residents near a facility
Flu vaccinated
54%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.4% of live births in this county — an early-life health input that downstream outcomes track against.
Based on New Haven data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Significant food access concerns
31.3% of New Haven County, CT residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.23
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
—
accepting food benefits
Fast-food restaurants
0.79
per 1,000 residents
Among low-income residents, 4.9% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in New Haven County, CT for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Data sources used on this page
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
43.3%
10.3pp above the 33.0% national rate.
High Blood Pressure
37.4%
5.4pp above the 32.0% national rate.
Depression
20.9%
Tracks close to the 22.0% national rate.
Annual Checkup
78.2%
2.2pp above the 76.0% national rate.
Health Insurance
21.9%
8.9pp above the 13.0% national rate.
Diabetes
15.3%
4.3pp above the 11.0% national rate.
Schools in this ZIP
9 schools serve this ZIP, including 9 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Wilby High School | Public | 9–12 | 1,091 |
| North End Middle School | Public | 6–8 | 896 |
| Waterbury Career Academy | Public | 9–12 | 807 |
| Reed School | Public | -1–8 | 454 |
| Woodrow Wilson School | Public | -1–5 | 414 |
Showing top 5 by enrollment. 4 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$16,327
Median earnings (10 yr)
$48,466
- Certificate
Belle Academy of Cosmetology LLC
Waterbury, CT · 06704
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 90.6%
- Median earnings (10 yr)
- —
- Median student debt
- —
- 4-Year
Post University
Waterbury, CT · 06723
- In-state tuition
- $16,327
- Out-of-state tuition
- $16,327
- Acceptance rate
- —
- Graduation rate
- 29.1%
- Median earnings (10 yr)
- $38,696
- Median student debt
- $30,157
- 4-Year
University of Connecticut-Waterbury Campus
Waterbury, CT · 06702
- In-state tuition
- $18,140
- Out-of-state tuition
- $40,808
- Acceptance rate
- 86.7%
- Graduation rate
- 56.1%
- Median earnings (10 yr)
- $73,997
- Median student debt
- $21,500
- Certificate
Industrial Management Training Institute
Waterbury, CT · 06706
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 77.3%
- Median earnings (10 yr)
- $55,344
- Median student debt
- $9,500
- Certificate
Dolce The Academy
Waterbury, CT · 06705
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 53.7%
- Median earnings (10 yr)
- —
- Median student debt
- $9,833
- Certificate
Porter and Chester Institute of Waterbury
Waterbury, CT · 06705
- In-state tuition
- $15,856
- Out-of-state tuition
- $15,856
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $41,588
- Median student debt
- $12,000
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Waterbury, CT (ZIP 06704) sits in New Haven County. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Obesity comes in above the national average at 43.3%. NCES lists 9 schools serving the area, 9 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $16,327. 31% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. FEMA has issued 36 federal disaster declarations affecting this ZIP since 1978 — a high-frequency exposure profile. 31.3% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $47,736, fair market rent of $1,730 for a two-bedroom, and a typical home value of $257,710, up 1.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 20.9%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 06704
What is the obesity rate in ZIP 06704?
43.3%, which is 10.3 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 06704?
20.9%, which is 1.1 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 06704?
37.4%, which is 5.4 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How many schools are in ZIP 06704?
9 schools serve this ZIP, including 9 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 06704 have charter schools?
No charter schools are listed in ZIP 06704 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 06704?
Yes, 2 high schools serve this ZIP: Wilby High School, Waterbury Career Academy. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 06704?
30,124 people live in ZIP 06704, with a median age of 36.4 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 06704?
$47,736 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 06704 mostly renters or homeowners?
In ZIP 06704, 44.8% of occupied housing units are owner-occupied and 55.2% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 06704?
In ZIP 06704, 6.9% of workers work from home. Public transit is used by 4.9% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 06704?
25.2% of the population in ZIP 06704 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 06704 have broadband internet?
82.0% of households in ZIP 06704 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 06704?
The typical home value in ZIP 06704 is $257,710, up 1.6% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 06704?
Home values are up 1.6% over the past year and up 82.0% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 06704?
The average Adjusted Gross Income reported on tax returns from ZIP 06704 (Waterbury, CT) is $41,118 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 06704?
Tax returns from ZIP 06704 report an average of $147 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 06704 earn over $200,000?
0.6% of tax returns from ZIP 06704 (Waterbury, CT) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 06704?
As of 2022, 336 business establishments operated in ZIP 06704 employing 4,128 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 06704?
The average annual pay across all local establishments in ZIP 06704 is $41,981, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How many federally declared disasters has ZIP 06704 experienced?
FEMA has recorded 36 federal disaster declarations affecting ZIP 06704 between 1978–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 06704?
Hurricane is the most common federally declared disaster type affecting ZIP 06704, accounting for 11 of 36 declarations (31%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 06704?
The most recent FEMA disaster declaration affecting ZIP 06704 was "HAWTHORNE FIRE" — a fire declared in 2024 (DR-5542) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 06704?
6 colleges and universities are listed near ZIP 06704 by the U.S. Department of Education College Scorecard, including Belle Academy Of Cosmetology Llc, Post University, and University Of Connecticut-Waterbury Campus (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 06704?
Median in-state tuition across 6 nearby institutions is $16,327 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 06704?
Graduates of nearby colleges earn a median of $48,466 ten years after entry (College Scorecard, retrieved May 2, 2026).
What data is available for ZIP 06704?
This page covers health outcomes from CDC PLACES (40 metrics), school information from NCES CCD (9 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), and federal disaster declarations from FEMA OpenFEMA (36 on record). Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (36 on record).
More Info topics
Nearby ZIPs: more ZIP code profiles launching Q3 2026.
Have a specific question about ZIP 06704?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.