Census tract · Naugatuck Valley Planning Region
Census Tract 3523, Naugatuck Valley Planning Region, Connecticut
Census Tract 3523, GEOID 09140352300, in Naugatuck Valley Planning Region, Connecticut, entirely within Waterbury. 2,847 residents in the ACS 2020-2024 5-year estimates (±588); the 2020 Census counted 3,106.
Residents, 2020-2024
2,847
±588 (90% margin)
2020 Census count: 3,106
Median household income
$45,848
±$16,823 (90% margin)
Naugatuck Valley Planning Region: $86,191
Median home value
$208,000
±$20,922 (90% margin)
Naugatuck Valley Planning Region: $317,700
Median gross rent
$1,304
±$111 (90% margin)
Naugatuck Valley Planning Region: $1,330
Where is Census Tract 3523?
Census Tract 3523 is one of 98 census tracts in Naugatuck Valley Planning Region, Connecticut. It covers 2.51 square miles of land, 1,238 residents per square mile in 2020. Its GEOID, 09140352300, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Waterbury | 100% |
13 census tracts border Census Tract 3523: Tract 3491 ($101,477), Tract 3501.01 ($15,351), Tract 3508 ($49,732), Tract 3509 ($72,557), Tract 3510 ($47,796), Tract 3518 ($60,129), Tract 3519 ($108,047), Tract 3520 ($80,576), Tract 3522 ($42,568), Tract 3524 ($57,353), Tract 3525, Tract 3603 ($90,648) and Tract 4254 ($108,083). 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 3523?
The 2020-2024 American Community Survey puts Census Tract 3523's population at 2,847 (±588) in 1,165 households; the 2020 Census counted 3,106 residents and 1,245 housing units.
| Measure | Tract 3523 | Waterbury |
|---|---|---|
| Total population | 2,847 ±588 | 114,869 |
| Households | 1,165 ±161 | 45,663 |
| Average household size | 2.42 ±0.38 | 2.48 |
| Housing units | 1,300 ±170 | 49,956 |
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 3523?
The median resident of Census Tract 3523 is 37.0 years old; 12.1% are under 18 and 10.7% are 65 or older. The largest group is Hispanic or Latino residents (of any race) at 31.0%, then non-Hispanic Black residents at 30.5%. 13.5% of residents were born outside the United States.
| Measure | Tract 3523 | Waterbury |
|---|---|---|
| Median age | 37.0 ±7.6 | 37.8 |
| Under 18 years | 12.1% ±6.0 pts | 23.2% |
| 65 years and over | 10.7% ±4.9 pts | 15.3% |
| Hispanic or Latino (any race) | 31.0% ±10.0 pts | 38.5% |
| White alone, not Hispanic | 25.8% ±9.9 pts | 29.3% |
| Black or African American alone, not Hispanic | 30.5% ±10.1 pts | 23.0% |
| Asian alone, not Hispanic | 0.0% ±1.5 pts | 2.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.5 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.5 pts | 0.0% |
| Two or more races, not Hispanic | 12.8% ±9.7 pts | 5.1% |
| Some other race alone, not Hispanic | 0.0% ±1.5 pts | 1.4% |
| Born outside the United States | 13.5% ±5.2 pts | 20.1% |
| Speak a language other than English at home (age 5+) | 31.5% ±10.3 pts | 39.3% |
| Civilian veterans (age 18+) | 3.1% ±2.5 pts | 3.6% |
| With a disability | 9.1% ±4.9 pts | 18.5% |
| No health insurance coverage | 1.4% ±1.7 pts | 8.4% |
| High school graduate or higher (age 25+) | 85.1% ±8.4 pts | 80.8% |
| Bachelor's degree or higher (age 25+) | 25.0% ±9.1 pts | 17.3% |
| Graduate or professional degree (age 25+) | 9.2% ±6.8 pts | 7.0% |
| Lived in the same house a year earlier | 90.0% ±6.0 pts | 89.4% |
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 3523 earn?
Half of the 1,165 households in Census Tract 3523 earn less than $45,848 a year (±$16,823), against $86,191 across Naugatuck Valley Planning Region: 89th highest of the county's 96 tracts with a reliable estimate. 30.4% of residents live below the poverty line.
| Measure | Tract 3523 | Waterbury |
|---|---|---|
| Median household income | $45,848 ±$16,823 | $51,886 |
| Mean household income | $64,988 ±$11,205 | $71,815 |
| Per capita income | $25,873 ±$5,189 | $29,542 |
| People below the poverty line | 30.4% ±13.5 pts | 24.7% |
| Children under 18 below the poverty line | 60.5% ±41.1 pts | 34.9% |
| Households receiving SNAP | 13.3% ±8.9 pts | 29.5% |
| Households with a computer | 96.7% ±3.5 pts | 92.1% |
| Households with a broadband subscription | 61.4% ±10.6 pts | 85.3% |
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 3523?
Owners occupy 49.3% of Census Tract 3523's occupied homes and renters 50.7%. The median owner-occupied home is valued at $208,000 by its owner (±$20,922). The median renter pays $1,304 a month including utilities, and 51.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 3523 | Waterbury |
|---|---|---|
| Median home value (owner-occupied) | $208,000 ±$20,922 | $208,500 |
| Median gross rent | $1,304 ±$111 | $1,225 |
| Renters paying 35% or more of income on rent | 51.3% ±20.1 pts | 50.0% |
| Median monthly owner costs, with a mortgage | $1,859 ±$373 | $1,850 |
| Owner-occupied homes | 49.3% ±10.3 pts | 47.2% |
| Renter-occupied homes | 50.7% ±10.3 pts | 52.8% |
| Housing units | 1,300 ±170 | 49,956 |
| Single-family detached homes | 43.6% ±10.4 pts | 41.2% |
| Mobile homes | 0.0% ±3.2 pts | 0.1% |
| Built 2020 or later | 0.0% ±3.2 pts | 0.3% |
| Built 2010 to 2019 | 0.0% ±3.2 pts | 1.3% |
| Built 1939 or earlier | 48.3% ±11.1 pts | 30.8% |
| Households with no vehicle | 15.0% ±10.2 pts | 18.7% |
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 3523 get to work?
58.9% of Census Tract 3523's workers drive alone and 7.7% work from home. The average trip to work takes 24.5 minutes.
| Measure | Tract 3523 | Waterbury |
|---|---|---|
| In the labor force (age 16+) | 68.1% ±11.6 pts | 59.7% |
| Unemployment rate | 5.6% ±5.0 pts | 9.3% |
| Drove alone to work | 58.9% ±11.4 pts | 69.8% |
| Carpooled | 12.8% ±4.0 pts | 12.7% |
| Public transportation | 14.4% ±5.1 pts | 3.9% |
| Walked | 6.3% ±7.8 pts | 2.1% |
| Worked from home | 7.7% ±3.5 pts | 8.3% |
| Mean travel time to work | 24.5 min ±5.5 | 28.0 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 3523 compare with the other tracts in Naugatuck Valley Planning Region?
Among Naugatuck Valley Planning Region's tracts with a reliable estimate, Census Tract 3523 ranks as shown below (1 = highest).
| Measure | In Naugatuck Valley Planning Region | In Waterbury |
|---|---|---|
| Population | 88th of 98 | 23rd of 28 |
| Residents per square mile | 64th of 98 | 27th of 28 |
| Median household income | 89th of 96 | 21st of 26 |
| Per capita income | 85th of 97 | 16th of 27 |
| Median home value | 82nd of 97 | 14th of 27 |
| Median gross rent | 57th of 88 | 13th of 28 |
| Poverty rate | 9th of 66 | 9th of 27 |
| Bachelor's degree or higher | 69th of 95 | 6th of 25 |
| Median age | 79th of 98 | 17th of 28 |
| Owner-occupied share | 78th of 96 | 15th of 26 |
The tracts next to it on Naugatuck Valley Planning Region's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 3504 | 86th | $48,139±$17,630 · within the margin of this tract |
| Tract 3510 | 87th | $47,796±$21,961 · within the margin of this tract |
| Tract 1202 | 88th | $47,569±$21,434 · within the margin of this tract |
| Tract 3523 | 89th | $45,848±$16,823 |
| Tract 4061 | 90th | $43,250±$17,669 · within the margin of this tract |
| Tract 3522 | 91st | $42,568±$11,262 · within the margin of this tract |
| Tract 4057 | 92nd | $40,833±$21,582 · 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 3523?
1 of the 18 figures for Census Tract 3523 on this page carries a coefficient of variation over 40% and is 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