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CITY

Waterloo

Indiana · 2,168 residents (2025 est.) · 2.11 sq mi
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The short version

Waterloo has lower-than-average household income, with a median household income of $67,083. Population has declined 6% since 2000. 14% of adults hold a bachelor's degree or higher, below the national rate of 36%. Median home value has risen by half since 2000, reaching $104,600.

At a glance
Lower income
below the US median
US median: $82,259
Younger
median age 35.3
US median: 38.9
Less educated
14% hold a bachelor's degree
US average: 36%
More affordable
home values down 11%, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
2,073
−6%since 2000
from 2,200 in 2000
1990 – 2025
Population density
982 / sq mi
−6%since 2000
from 1,043 / sq mi in 2000
US average: 281
Median age
35.3
+15%since 2000
from 30.6 in 2000
US average: 38.9

PEP 2025 EST:2,168 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
2K2K2K2K2K1990201020202024Waterloo
20242K
1990201020202024
Section 02

Income & economy

Median household income
$67,083
−8%inflation adjusted, since 2000
from $39,831 in 2000
US average: $82,259
1990 – 2024
Per capita income
$27,936
+72%since 2000
from $16,248 in 2000
US average: $44,673
Households earning $100K+
44.8%
+32.3 ptssince 2009
from 12.4% in 2009
US average: 53.3%
Poverty rate
12.5%
+0.1 ptssince 2000
from 12.4% in 2000
US average: 12.5%
Income inequality (Gini)
0.358
−2%since 2010
from 0.366 in 2010
US average: 0.476
Workforce by industry, 2024
Retail trade34.8%
US avg: 9.9%
Information11.8%
US avg: 10.8%
Finance & insurance6.6%
US avg: 5.9%
Professional, scientific, technical4.6%
US avg: 5.1%
Wholesale trade4.1%
US avg: 6.9%
Education & health services2%
US avg: 0.9%
Agriculture, forestry, fishing1.6%
US avg: 1.6%
Transportation & warehousing1.6%
US avg: 2.2%
Manufacturing1.3%
US avg: 0.4%
Arts, entertainment, food0.6%
US avg: 1.9%
Construction0.3%
US avg: 1.2%
Other services0.3%
US avg: 6.7%
Public administration0.3%
US avg: 4.8%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$104,600
−11%inflation adjusted, since 2000
from $64,600 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$829
−2%inflation adjusted, since 2000
from $463 in 2000
US average: $1,442
Owner-occupied
81.2%
+4.1 ptssince 2000
from 77.2% in 2000
18.8% rent
Vacancy rate
9.3%
−5.1 ptssince 2009
from 14.4% in 2009
US average: 10.0%
Owner cost-burdened
16.7%
−13.1 ptssince 2009
from 29.8% in 2009
US average: 22.9%
Renter cost-burdened
44.8%
−6.8 ptssince 2009
from 51.6% in 2009
US average: 47.4%
Afford Score
1.6
−4%since 2000
from 1.6 in 2000
1990 – 2024
Gentrification Score
55
RELATED:See current rent listings in Waterloo on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic94.8%(2,085)
Black0.2%(5)
Hispanic / Latino3.7%(81)
Asian0.2%(4)
Other0%
Diversity Score10%(219)
2024
White, non-Hispanic86.6%(1,795)
Black0.5%(10)
Hispanic / Latino5.2%(107)
Asian0.3%(7)
Other7.4%(154)
Diversity Score30.3%(627)
Diversity Score
30
+204%since 2000
from 10 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
14.2%
+8.1 ptssince 2000
from 6.1% in 2000
US average: 35.6%
High school or higher
87.8%
+6.5 ptssince 2000
from 81.4% in 2000
US average: 89.6%
Graduate degree
6.5%
+4.7 ptssince 2000
from 1.7% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
23.8 min
+99%since 2000
from 12.0 min in 2000
US average: 26.5
Drive alone to work
85.3%
+4.0 ptssince 2009
from 81.2% in 2009
US average: 68.9%
Carpooled to work
2.6%
−10.3 ptssince 2009
from 12.9% in 2009
US average: 8.5%
Public transit
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 3.2%
Worked from home
6.7%
+4.9 ptssince 2009
from 1.8% in 2009
US average: 15.0%
Walked to work
3.8%
+3.2 ptssince 2009
from 0.5% in 2009
US average: 2.4%
Biked to work
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 0.4%
No vehicle available
2.7%
−0.1 ptssince 2009
from 2.8% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
6.4%
−7.4 ptssince 2011
from 13.8% in 2011
US average: 5.2%
Labor force participation
75.8%
+8.1 ptssince 2011
from 67.6% in 2011
US average: 63.5%
Self-employed
9.3%
−5.5 ptssince 2009
from 14.8% in 2009
US average: 13.1%
Management & professional
23.7%
−27.3 ptssince 2009
from 51.0% in 2009
US average: 42.5%
Section 08

People & community

Male
49.3%
+0.7 ptssince 2009
from 48.6% in 2009
Female
50.7%
−0.7 ptssince 2009
from 51.4% in 2009
Foreign born
0.8%
−1.3 ptssince 2009
from 2.1% in 2009
US average: 14.1%
Veterans
7.9%
−41.8 ptssince 2009
from 49.7% in 2009
US average: 6.2%
With a disability
15.3%
−3.2 ptssince 2012
from 18.5% in 2012
US average: 13.3%
Uninsured
8.5%
−73.9 ptssince 2013
from 82.4% in 2013
US average: 8.4%
Broadband at home
90.7%
+27.5 ptssince 2017
from 63.2% in 2017
US average: 91.0%
English only at home
98.9%
+3.5 ptssince 2016
from 95.3% in 2016
US average: 77.7%
Spanish at home
0.8%
−2.1 ptssince 2016
from 2.8% in 2016
US average: 13.6%
Drill deeper

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Compare Waterloo to nearby cities

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WATERLOO VS
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WATERLOO VS
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Frequently asked

How many people live in Waterloo, Indiana?

Waterloo, Indiana has about 2,073 residents according to the 2024 American Community Survey.

What is the median household income in Waterloo, Indiana?

The typical household in Waterloo, Indiana earns about $67,083 a year. Half of households make more than that, and half make less.

Is Waterloo, Indiana expensive?

In Waterloo, Indiana, the median home is worth about $104,600, and the typical rent is about $829 a month.

How educated are people in Waterloo, Indiana?

About 14.2% of adults age 25 and over in Waterloo, Indiana hold a bachelor's degree or higher.

What is the poverty rate in Waterloo, Indiana?

About 12.5% of people in Waterloo, Indiana live below the federal poverty line.

Has Waterloo, Indiana grown since 1990?

Yes, Waterloo, Indiana has shrunk since 1990. The population has lost about 1 residents, a change of about -0 percent over that period.

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DATA: US CENSUS BUREAU ACS 5-YEAR + DECENNIAL CENSUS · UPDATED 2024

How we source and harmonize this data →