Census tract · Black Hawk County
Census Tract 16, Black Hawk County, Iowa
Census Tract 16, GEOID 19013001600, in Black Hawk County, Iowa, mostly within Waterloo (93% of its census blocks). 2,772 residents in the ACS 2020-2024 5-year estimates (±502); the 2020 Census counted 2,700.
Residents, 2020-2024
2,772
±502 (90% margin)
2020 Census count: 2,700
Median household income
$61,964
±$28,772 (90% margin)
Black Hawk County: $66,417
Median home value
$107,600
±$8,984 (90% margin)
Black Hawk County: $188,900
Median gross rent
$1,074
±$89 (90% margin)
Black Hawk County: $989
Where is Census Tract 16?
Census Tract 16 is one of 39 census tracts in Black Hawk County, Iowa. It covers 7.90 square miles of land, 342 residents per square mile in 2020. Its GEOID, 19013001600, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Waterloo | 93% |
| Cedar Falls | 6% |
7 census tracts border Census Tract 16: Tract 4 ($46,375), Tract 5 ($55,357), Tract 15.03 ($93,688), Tract 17.02 ($55,492), Tract 22 ($78,929), Tract 24 ($83,116) and Tract 26.04 ($81,111). 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 16?
The 2020-2024 American Community Survey puts Census Tract 16's population at 2,772 (±502) in 1,138 households; the 2020 Census counted 2,700 residents and 1,238 housing units.
| Measure | Tract 16 | Waterloo |
|---|---|---|
| Total population | 2,772 ±502 | 67,008 |
| Households | 1,138 ±149 | 29,283 |
| Average household size | 2.44 ±0.37 | 2.25 |
| Housing units | 1,194 ±149 | 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 16?
The median resident of Census Tract 16 is 30.5 years old; 27.7% are under 18 and 15.2% are 65 or older. The largest group is non-Hispanic white residents at 64.1%, then non-Hispanic Black residents at 17.5%.
| Measure | Tract 16 | Waterloo |
|---|---|---|
| Median age | 30.5 ±6.3 | 36.7 |
| Under 18 years | 27.7% ±6.0 pts | 24.5% |
| 65 years and over | 15.2% ±4.2 pts | 17.0% |
| Hispanic or Latino (any race) | 10.9% ±8.0 pts | 8.4% |
| White alone, not Hispanic | 64.1% ±8.9 pts | 65.5% |
| Black or African American alone, not Hispanic | 17.5% ±7.1 pts | 16.4% |
| Asian alone, not Hispanic | 0.0% ±0.9 pts | 3.2% |
| American Indian and Alaska Native alone, not Hispanic | 0.2% ±0.2 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.1 pts | 1.4% |
| Two or more races, not Hispanic | 7.4% ±5.5 pts | 4.9% |
| Some other race alone, not Hispanic | 0.0% ±0.9 pts | 0.1% |
| Born outside the United States | 5.2% ±3.8 pts | 10.1% |
| Speak a language other than English at home (age 5+) | 5.7% ±4.4 pts | 14.0% |
| Civilian veterans (age 18+) | 6.6% ±3.1 pts | 6.3% |
| With a disability | 12.7% ±4.9 pts | 14.9% |
| No health insurance coverage | 7.5% ±4.8 pts | 7.0% |
| High school graduate or higher (age 25+) | 86.8% ±5.9 pts | 89.6% |
| Bachelor's degree or higher (age 25+) | 10.2% ±4.4 pts | 21.8% |
| Graduate or professional degree (age 25+) | 2.7% ±2.1 pts | 7.0% |
| Lived in the same house a year earlier | 94.8% ±3.8 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 16 earn?
Half of the 1,138 households in Census Tract 16 earn less than $61,964 a year (±$28,772), against $66,417 across Black Hawk County: 22nd highest of the county's 38 tracts with a reliable estimate. 22.1% of residents live below the poverty line.
| Measure | Tract 16 | Waterloo |
|---|---|---|
| Median household income | $61,964 ±$28,772 | $57,480 |
| Mean household income | $81,223 ±$15,241 | $74,903 |
| Per capita income | $33,176 ±$8,189 | $32,837 |
| People below the poverty line | 22.1% ±13.1 pts | 16.6% |
| Children under 18 below the poverty line | 34.6% ±21.1 pts | 22.5% |
| Households receiving SNAP | 11.8% ±7.0 pts | 15.3% |
| Households with a computer | 96.2% ±3.6 pts | 94.0% |
| Households with a broadband subscription | 90.1% ±6.6 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 16?
Owners occupy 67.2% of Census Tract 16's occupied homes and renters 32.8%. The median owner-occupied home is valued at $107,600 by its owner (±$8,984). The median renter pays $1,074 a month including utilities, and 51.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 16 | Waterloo |
|---|---|---|
| Median home value (owner-occupied) | $107,600 ±$8,984 | $152,600 |
| Median gross rent | $1,074 ±$89 | $923 |
| Renters paying 35% or more of income on rent | 51.4% ±27.5 pts | 38.9% |
| Median monthly owner costs, with a mortgage | $1,031 ±$86 | $1,244 |
| Owner-occupied homes | 67.2% ±11.6 pts | 62.1% |
| Renter-occupied homes | 32.8% ±11.6 pts | 37.9% |
| Housing units | 1,194 ±149 | 32,143 |
| Single-family detached homes | 89.7% ±5.1 pts | 68.9% |
| Mobile homes | 6.8% ±3.7 pts | 3.3% |
| Built 2020 or later | 0.0% ±2.1 pts | 0.7% |
| Built 2010 to 2019 | 1.0% ±1.7 pts | 5.5% |
| Built 1939 or earlier | 25.5% ±8.7 pts | 21.6% |
| Households with no vehicle | 5.5% ±5.0 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 16 get to work?
82.1% of Census Tract 16's workers drive alone. The average trip to work takes 17.8 minutes.
| Measure | Tract 16 | Waterloo |
|---|---|---|
| In the labor force (age 16+) | 69.3% ±7.6 pts | 65.6% |
| Unemployment rate | 8.1% ±7.8 pts | 5.3% |
| Drove alone to work | 82.1% ±6.4 pts | 78.1% |
| Carpooled | 8.0% ±5.4 pts | 11.4% |
| Public transportation | 0.0% ±1.8 pts | 0.4% |
| Walked | 1.2% ±1.4 pts | 1.6% |
| Worked from home | 6.6% ±4.8 pts | 7.6% |
| Mean travel time to work | 17.8 min ±5.6 | 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 16 compare with the other tracts in Black Hawk County?
Among Black Hawk County's tracts with a reliable estimate, Census Tract 16 ranks as shown below (1 = highest).
| Measure | In Black Hawk County | In Waterloo |
|---|---|---|
| Population | 24th of 39 | 12th of 24 |
| Residents per square mile | 32nd of 39 | 23rd of 24 |
| Median household income | 22nd of 38 | 10th of 23 |
| Per capita income | 23rd of 39 | 10th of 24 |
| Median home value | 31st of 38 | 16th of 23 |
| Median gross rent | 7th of 36 | 1st of 22 |
| Poverty rate | 11th of 34 | 8th of 22 |
| Bachelor's degree or higher | 34th of 35 | 19th of 20 |
| Median age | 34th of 39 | 22nd of 24 |
| Owner-occupied share | 19th of 39 | 10th of 24 |
The tracts next to it on Black Hawk County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 10 | 19th | $63,210±$8,010 · within the margin of this tract |
| Tract 15.01 | 20th | $62,869±$7,067 · within the margin of this tract |
| Tract 19 | 21st | $62,318±$5,942 · within the margin of this tract |
| Tract 16 | 22nd | $61,964±$28,772 |
| Tract 20 | 23rd | $61,566±$5,793 · within the margin of this tract |
| Tract 13.02 | 24th | $60,893±$12,622 · within the margin of this tract |
| Tract 11 | 25th | $60,245±$9,426 · 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 16?
3 of the 18 figures for Census Tract 16 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