ZIP Code 35677 — Waterloo town, AL Demographics & Data

ZIP code 35677 covers Waterloo, AL in Lauderdale County with a population of about 1,874.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 256, 938; U.S. House district AL-4; the HUNTSVILLE - DECATUR (FLOR) media market.

Median household income in ZIP 35677 is about $48,350 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 0.0%; 12.7% of adults with a bachelor’s degree or higher (about 21.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 16.0% of workers reporting work-from-home (roughly in line with 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 $190,400 — about 45% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $342 (about 71% below the U.S. median rent ($1,163)), and owner-occupancy near 93.0% (about 27.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 35677 in Waterloo, AL, a household would need roughly $52,000 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 $1,223. That is roughly in line with the local median household income ($48,350). 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 town, AL as Relatively Moderate (composite score 85.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (84.2) and hurricane (61.1). 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 town, AL show little to no average snow and around 62.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 60 for ZIP 35677 (Waterloo town, AL) 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.