Waterloo, CA (95215)

Waterloo, CA (ZIP 95215) sits in San Joaquin County within the Stockton-Lodi metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Annual Checkup comes in above the national average at 68.8%. NCES lists 8 schools serving the area, 8 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $13,500. 21% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. Federal QCEW filings show 287,828 covered jobs in this ZIP's primary county — a major regional employment hub. BLS LAUS records a 6.5% county unemployment rate (2024) — about 2.5 points above the US average and a labor-market distress signal. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. CDC's Social Vulnerability Index places this ZIP in the 84th percentile nationally — a highly vulnerable community profile. FEMA has issued 25 federal disaster declarations affecting this ZIP since 1964 — a high-frequency exposure profile. Per IRS migration filings (2022-2023), the area's primary county netted $174,518,000 in incoming taxable income — a wealth-inflow signal even when headcount churn is modest. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $58,361, fair market rent of $1,380 for a two-bedroom, and a typical home value of $439,251, down 1.2% 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

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

Home values

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.

New housing construction

Based on county-level data (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

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 $556.6M across all reported brackets.

Business & employment

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.

Employment & wages

That is roughly 3% below the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Based on San Joaquin County, CA data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Banking access

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.

Alternative-fuel stations

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.

Social Vulnerability Index

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

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

Based on San Joaquin 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

Low birth weight (under 2,500 g) accounts for 7.7% of live births in this county — an early-life health input that downstream outcomes track against.

Based on San Joaquin 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

Among low-income residents, 4.5% 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 San Joaquin County, CA 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).

Who’s moving in and out

Incoming households reported an average AGI of $82,521 versus departing households' $68,239.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Data sources used on this page

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Schools in this ZIP

8 schools serve this ZIP, including 8 non-charter.

Showing top 5 by enrollment. 3 more schools serve this ZIP.

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Colleges & universities nearby

• San Joaquin Delta College

  Stockton, CA · 95207

  2-Year

  In-state tuition

  $1,180

  Out-of-state tuition

  $9,772

  Acceptance rate

  —

  Graduation rate

  33.4%

  Median earnings (10 yr)

  $43,212

  Median student debt

  $7,500

• University of the Pacific

  Stockton, CA · 95211

  4-Year

  In-state tuition

  $57,080

  Out-of-state tuition

  $57,080

  Acceptance rate

  71.3%

  Graduation rate

  68.5%

  Median earnings (10 yr)

  $78,445

  Median student debt

  $19,500

• UEI College-Stockton

  Stockton, CA · 95207

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  64.9%

  Median earnings (10 yr)

  $31,141

  Median student debt

  $9,500

• Teachers College of San Joaquin

  Stockton, CA · 95206

  4-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  —

  Median earnings (10 yr)

  —

  Median student debt

  —

• Carrington College-Stockton

  Stockton, CA · 95207

  2-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  52.7%

  Median earnings (10 yr)

  $39,633

  Median student debt

  $11,537

• California College of Barbering and Cosmetology

  Stockton, CA · 95210

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  76.0%

  Median earnings (10 yr)

  —

  Median student debt

  $6,333

• Humphreys University-Stockton and Modesto Campuses

  Stockton, CA · 95207

  4-Year

  In-state tuition

  $13,500

  Out-of-state tuition

  $13,500

  Acceptance rate

  —

  Graduation rate

  66.7%

  Median earnings (10 yr)

  $39,248

  Median student debt

  $35,500

• Xavier College School of Nursing

  Stockton, CA · 95202

  2-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  35.6%

  Graduation rate

  83.1%

  Median earnings (10 yr)

  —

  Median student debt

  $16,652

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

Frequently Asked Questions — ZIP 95215

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