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CITY

Waterloo

New York · 4,674 residents (2025 est.) · 2.157 sq mi
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The short version

Waterloo has notably lower household income than the US average, with a median household income of $51,642. Population has declined 10% since 2000. Median home value has more than doubled since 2000, reaching $114,300. With a median age of 50.8, the population is older than the US median of 38.9. Households here earn about 40% less than the New York median.

At a glance
Lower income
below the US median
US median: $82,259
Older
median age 50.8
US median: 38.9
Less educated
24% hold a bachelor's degree
US average: 36%
Stable housing
home values roughly flat, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
4,605
−10%since 2000
from 5,111 in 2000
1990 – 2025
Population density
2,135 / sq mi
−10%since 2000
from 2,369 / sq mi in 2000
US average: 281
Median age
50.8
+29%since 2000
from 39.3 in 2000
US average: 38.9

PEP 2025 EST:4,674 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
5K5K5K5K5K1990201020202024Waterloo
20245K
1990201020202024
Section 02

Income & economy

Median household income
$51,642
−16%inflation adjusted, since 2000
from $33,571 in 2000
US average: $82,259
1990 – 2024
Per capita income
$32,566
+97%since 2000
from $16,538 in 2000
US average: $44,673
Households earning $100K+
39.1%
+15.3 ptssince 2009
from 23.8% in 2009
US average: 53.3%
Poverty rate
11.7%
−0.4 ptssince 2000
from 12.1% in 2000
US average: 12.5%
Income inequality (Gini)
0.386
+14%since 2010
from 0.338 in 2010
US average: 0.476
Workforce by industry, 2024
Retail trade17.6%
US avg: 9.9%
Arts, entertainment, food12.1%
US avg: 1.9%
Information9.8%
US avg: 10.8%
Agriculture, forestry, fishing5.1%
US avg: 1.6%
Construction4.3%
US avg: 1.2%
Transportation & warehousing3.2%
US avg: 2.2%
Finance & insurance2.4%
US avg: 5.9%
Professional, scientific, technical2.4%
US avg: 5.1%
Wholesale trade2.1%
US avg: 6.9%
Manufacturing0.8%
US avg: 0.4%
Other services0.5%
US avg: 6.7%
Public administration0.5%
US avg: 4.8%
Education & health services0%
US avg: 0.9%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$114,300
+6%inflation adjusted, since 2000
from $59,000 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$927
Unchangedinflation adjusted, since 2000
from $508 in 2000
US average: $1,442
Owner-occupied
68.7%
−2.1 ptssince 2000
from 70.8% in 2000
31.3% rent
Vacancy rate
8.3%
−4.2 ptssince 2009
from 12.6% in 2009
US average: 10.0%
Owner cost-burdened
24.1%
−3.2 ptssince 2009
from 27.3% in 2009
US average: 22.9%
Renter cost-burdened
42.9%
−14.2 ptssince 2009
from 57.1% in 2009
US average: 47.4%
Afford Score
2.2
+26%since 2000
from 1.8 in 2000
1990 – 2024
Gentrification Score
37
RELATED:See current rent listings in Waterloo on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic96.7%(4,941)
Black0.8%(39)
Hispanic / Latino1.2%(60)
Asian0.5%(25)
Other0%
Diversity Score6%(308)
2024
White, non-Hispanic84.5%(3,890)
Black2.7%(124)
Hispanic / Latino6.4%(295)
Asian0.2%(10)
Other6.2%(286)
Diversity Score34.7%(1,599)
Diversity Score
35
+477%since 2000
from 6 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
23.5%
+10.7 ptssince 2000
from 12.8% in 2000
US average: 35.6%
High school or higher
90.5%
+14.3 ptssince 2000
from 76.2% in 2000
US average: 89.6%
Graduate degree
8.5%
+3.7 ptssince 2000
from 4.7% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
21.3 min
+37%since 2000
from 15.5 min in 2000
US average: 26.5
Drive alone to work
74.4%
−10.8 ptssince 2009
from 85.2% in 2009
US average: 68.9%
Carpooled to work
5.5%
−0.4 ptssince 2009
from 5.9% in 2009
US average: 8.5%
Public transit
0.0%
−1.0 ptssince 2009
from 1.0% in 2009
US average: 3.2%
Worked from home
13.2%
+9.7 ptssince 2009
from 3.6% in 2009
US average: 15.0%
Walked to work
2.7%
−0.5 ptssince 2009
from 3.2% in 2009
US average: 2.4%
Biked to work
0.0%
−0.6 ptssince 2009
from 0.6% in 2009
US average: 0.4%
No vehicle available
5.0%
+1.7 ptssince 2009
from 3.2% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
6.8%
+2.2 ptssince 2011
from 4.6% in 2011
US average: 5.2%
Labor force participation
53.7%
−10.8 ptssince 2011
from 64.5% in 2011
US average: 63.5%
Self-employed
16.1%
−6.0 ptssince 2009
from 22.2% in 2009
US average: 13.1%
Management & professional
38.5%
−28.4 ptssince 2009
from 66.9% in 2009
US average: 42.5%
Section 08

People & community

Male
50.3%
+6.1 ptssince 2009
from 44.2% in 2009
Female
49.7%
−6.1 ptssince 2009
from 55.8% in 2009
Foreign born
4.3%
+3.3 ptssince 2009
from 1.0% in 2009
US average: 14.1%
Veterans
12.5%
−30.1 ptssince 2009
from 42.6% in 2009
US average: 6.2%
With a disability
23.1%
+5.9 ptssince 2012
from 17.2% in 2012
US average: 13.3%
Uninsured
3.1%
−90.3 ptssince 2013
from 93.4% in 2013
US average: 8.4%
Broadband at home
91.4%
+8.7 ptssince 2017
from 82.7% in 2017
US average: 91.0%
English only at home
91.3%
−7.3 ptssince 2016
from 98.6% in 2016
US average: 77.7%
Spanish at home
6.1%
+5.6 ptssince 2016
from 0.5% in 2016
US average: 13.6%
Drill deeper

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WATERLOO VS
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WATERLOO VS
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WATERLOO VS
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Frequently asked

How many people live in Waterloo, New York?

Waterloo, New York has about 4,605 residents according to the 2024 American Community Survey.

What is the median household income in Waterloo, New York?

The typical household in Waterloo, New York earns about $51,642 a year. Half of households make more than that, and half make less.

Is Waterloo, New York expensive?

In Waterloo, New York, the median home is worth about $114,300, and the typical rent is about $927 a month.

How educated are people in Waterloo, New York?

About 23.5% of adults age 25 and over in Waterloo, New York hold a bachelor's degree or higher.

What is the poverty rate in Waterloo, New York?

About 11.7% of people in Waterloo, New York live below the federal poverty line.

Has Waterloo, New York grown since 1990?

Yes, Waterloo, New York has shrunk since 1990. The population has lost about 511 residents, a change of about -10 percent over that period.

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

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