Census tract · Black Hawk County
Census Tract 3, Black Hawk County, Iowa
Census Tract 3, GEOID 19013000300, in Black Hawk County, Iowa, entirely within Waterloo. 2,694 residents in the ACS 2020-2024 5-year estimates (±468); the 2020 Census counted 2,857.
Residents, 2020-2024
2,694
±468 (90% margin)
2020 Census count: 2,857
Median household income
$37,188
±$13,577 (90% margin)
Black Hawk County: $66,417
Median home value
$115,500
±$16,049 (90% margin)
Black Hawk County: $188,900
Median gross rent
$803
±$193 (90% margin)
Black Hawk County: $989
Where is Census Tract 3?
Census Tract 3 is one of 39 census tracts in Black Hawk County, Iowa. It covers 0.54 square miles of land, 5,330 residents per square mile in 2020. Its GEOID, 19013000300, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Waterloo | 100% |
5 census tracts border Census Tract 3: Tract 1 ($26,181), Tract 2 ($46,513), Tract 4 ($46,375), Tract 14 ($74,549) and Tract 15.02 ($59,112). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 3?
The 2020-2024 American Community Survey puts Census Tract 3's population at 2,694 (±468) in 1,260 households; the 2020 Census counted 2,857 residents and 1,503 housing units.
| Measure | Tract 3 | Waterloo |
|---|---|---|
| Total population | 2,694 ±468 | 67,008 |
| Households | 1,260 ±168 | 29,283 |
| Average household size | 2.13 ±0.28 | 2.25 |
| Housing units | 1,533 ±139 | 32,143 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 3?
The median resident of Census Tract 3 is 33.0 years old; 31.3% are under 18 and 13.0% are 65 or older. The largest group is non-Hispanic white residents at 50.3%, then non-Hispanic Black residents at 26.6%.
| Measure | Tract 3 | Waterloo |
|---|---|---|
| Median age | 33.0 ±5.2 | 36.7 |
| Under 18 years | 31.3% ±6.4 pts | 24.5% |
| 65 years and over | 13.0% ±3.2 pts | 17.0% |
| Hispanic or Latino (any race) | 11.4% ±10.5 pts | 8.4% |
| White alone, not Hispanic | 50.3% ±12.3 pts | 65.5% |
| Black or African American alone, not Hispanic | 26.6% ±11.7 pts | 16.4% |
| Asian alone, not Hispanic | 5.9% ±7.1 pts | 3.2% |
| American Indian and Alaska Native alone, not Hispanic | 0.1% ±0.3 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.9 pts | 1.4% |
| Two or more races, not Hispanic | 5.4% ±3.7 pts | 4.9% |
| Some other race alone, not Hispanic | 0.4% ±0.7 pts | 0.1% |
| Born outside the United States | 10.6% ±7.1 pts | 10.1% |
| Speak a language other than English at home (age 5+) | 17.3% ±10.2 pts | 14.0% |
| Civilian veterans (age 18+) | 6.4% ±3.3 pts | 6.3% |
| With a disability | 19.6% ±6.0 pts | 14.9% |
| No health insurance coverage | 9.9% ±7.1 pts | 7.0% |
| High school graduate or higher (age 25+) | 74.0% ±9.8 pts | 89.6% |
| Bachelor's degree or higher (age 25+) | 8.7% ±6.3 pts | 21.8% |
| Graduate or professional degree (age 25+) | 2.0% ±2.1 pts | 7.0% |
| Lived in the same house a year earlier | 85.6% ±6.4 pts | 85.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 3 earn?
Half of the 1,260 households in Census Tract 3 earn less than $37,188 a year (±$13,577), against $66,417 across Black Hawk County: 35th highest of the county's 38 tracts with a reliable estimate. 34.6% of residents live below the poverty line.
| Measure | Tract 3 | Waterloo |
|---|---|---|
| Median household income | $37,188 ±$13,577 | $57,480 |
| Mean household income | $39,536 ±$4,503 | $74,903 |
| Per capita income | $18,509 ±$2,942 | $32,837 |
| People below the poverty line | 34.6% ±11.0 pts | 16.6% |
| Children under 18 below the poverty line | 44.3% ±21.2 pts | 22.5% |
| Households receiving SNAP | 33.7% ±11.0 pts | 15.3% |
| Households with a computer | 83.5% ±6.6 pts | 94.0% |
| Households with a broadband subscription | 80.0% ±7.7 pts | 87.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 3?
Owners occupy 35.4% of Census Tract 3's occupied homes and renters 64.6%. The median owner-occupied home is valued at $115,500 by its owner (±$16,049). The median renter pays $803 a month including utilities, and 66.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 3 | Waterloo |
|---|---|---|
| Median home value (owner-occupied) | $115,500 ±$16,049 | $152,600 |
| Median gross rent | $803 ±$193 | $923 |
| Renters paying 35% or more of income on rent | 66.3% ±10.2 pts | 38.9% |
| Median monthly owner costs, with a mortgage | $876 ±$50 | $1,244 |
| Owner-occupied homes | 35.4% ±11.4 pts | 62.1% |
| Renter-occupied homes | 64.6% ±11.4 pts | 37.9% |
| Housing units | 1,533 ±139 | 32,143 |
| Single-family detached homes | 46.3% ±10.0 pts | 68.9% |
| Mobile homes | 0.0% ±1.6 pts | 3.3% |
| Built 2020 or later | 0.0% ±1.6 pts | 0.7% |
| Built 2010 to 2019 | 1.6% ±2.2 pts | 5.5% |
| Built 1939 or earlier | 48.5% ±10.4 pts | 21.6% |
| Households with no vehicle | 19.2% ±8.1 pts | 7.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 3 get to work?
76.2% of Census Tract 3's workers drive alone. The average trip to work takes 16.8 minutes.
| Measure | Tract 3 | Waterloo |
|---|---|---|
| In the labor force (age 16+) | 55.3% ±8.3 pts | 65.6% |
| Unemployment rate | 8.4% ±7.3 pts | 5.3% |
| Drove alone to work | 76.2% ±11.7 pts | 78.1% |
| Carpooled | 19.2% ±10.8 pts | 11.4% |
| Public transportation | 1.0% ±1.5 pts | 0.4% |
| Walked | 0.0% ±2.6 pts | 1.6% |
| Worked from home | 3.6% ±4.3 pts | 7.6% |
| Mean travel time to work | 16.8 min ±3.4 | 15.9 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 3 compare with the other tracts in Black Hawk County?
Among Black Hawk County's tracts with a reliable estimate, Census Tract 3 ranks as shown below (1 = highest).
| Measure | In Black Hawk County | In Waterloo |
|---|---|---|
| Population | 26th of 39 | 13th of 24 |
| Residents per square mile | 4th of 39 | 3rd of 24 |
| Median household income | 35th of 38 | 21st of 23 |
| Per capita income | 37th of 39 | 23rd of 24 |
| Median home value | 29th of 38 | 14th of 23 |
| Median gross rent | 30th of 36 | 18th of 22 |
| Poverty rate | 4th of 34 | 2nd of 22 |
| Median age | 33rd of 39 | 21st of 24 |
| Owner-occupied share | 37th of 39 | 23rd of 24 |
The tracts next to it on Black Hawk County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 2 | 32nd | $46,513±$12,633 · within the margin of this tract |
| Tract 4 | 33rd | $46,375±$6,150 · within the margin of this tract |
| Tract 17.01 | 34th | $42,304±$11,112 · within the margin of this tract |
| Tract 3 | 35th | $37,188±$13,577 |
| Tract 23.03 | 36th | $34,815±$7,119 · within the margin of this tract |
| Tract 18 | 37th | $29,716±$14,526 · within the margin of this tract |
| Tract 1 | 38th | $26,181±$10,336 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 3?
4 of the 18 figures for Census Tract 3 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections