Zip code 68069, corresponding to Waterloo in Nebraska, exhibits a demographic profile categorized as "Low Diversity" as of 2022. The white population constitutes 94% of the total, exceeding the 75% threshold for this classification. The area has experienced population growth from 2,969 in 2010 to 4,168 in 2022, maintaining a relatively high median income.

Throughout the period from 2013 to 2022, Waterloo has consistently maintained its status as a "Low Diversity" community. The white population has remained the majority, never dropping below 93% of the total. The Hispanic population increased slightly from 1% in 2013 to 2% in 2022, with a peak of 4% in 2020. The population identifying as two or more races grew from 0% in 2013 to 3% in 2022. Asian and Black populations remained consistently low, never exceeding 1% throughout the period.

The median income in Waterloo has fluctuated over the years but generally remained high. From 2013 to 2019, there was an overall upward trend in median income, rising from $83,703 to $105,620. Post-2019, significant fluctuations occurred, with a drop to $87,062 in 2020, followed by a recovery to $99,220 in 2021, and then another decrease to $87,608 in 2022. Despite these income fluctuations, the racial composition has remained largely stable.