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Waterloo, CA

California · Metropolitan Area

Waterloo is a small town in California with a population of 886. Residents earn $250,001 per year, which is 233% above the national average.

4.3 /5.0
A Great
886 Population 163/sq mi density
$250,001 Median Income $77,008 per capita
$883,200 Home Value
$1,908 Median Rent 14.8% income on rent
62°F Avg Temperature 330 sunny days/yr
A
Overall
4.3 / 5.0
Great overall score based on economy, affordability, safety and education
A+
Economy
5.0 / 5.0
$250,001 median income, 0.0% unemployment
A+
Affordability
4.7 / 5.0
$883,200 home value, $1,908/mo rent
B
Education
3.2 / 5.0
27.3% bachelor's degree or higher
Median Income $250,001
233% higher than US avg
Home Value $883,200
213% higher than US avg
Bachelor's+ 27.3%
19% lower than US avg
Median Rent $1,908
64% higher than US avg
Obesity Rate 33.4%
4% higher than US avg
Unemployment 0.0%
100% lower than US avg
Poverty Rate 5.4%
56% lower than US avg

How Waterloo Compares to the U.S. Average (100% = U.S. avg)

People

Population886
Median Age53.7 yrs
Density163/mi²
Male / Female46% / 54%
Largest GroupWhite 87%
Veterans2.1%

Economy

A+
Median Income$250,001
Per Capita$77,008
Unemployment0.0%
Poverty5.4%
County GDP$135,538M
Commute28 min

Housing

A+
Home Value$883,200
Rent$1,908
OwnershipN/A
Housing Units321
Rent Burden14.8%

Health

Obesity33.4%
Uninsured13.4%
Smoking15.5%
Depression23.1%
Heart Disease6.5%

Climate

Avg Temp62°F (17°C)
AQI48 (Good)
Rain18.4 in/yr
Sunny Days330/yr
Elevation58 ft (18 m)

Education

B
Bachelor's+27.3%
High School+94.2%
Graduate+9.1%
School Score4.69

Community

2024 VoteR 38% / D 58%
Commute28 min
Broadband100.0%
Libraries32

Is Waterloo a Good Place to Live?

Based on current data, Waterloo receives an overall livability score of 4.3 out of 5.0, earning a grade of A. Key strengths include above-average household incomes, low unemployment, abundant sunshine, a low poverty rate. Areas to be aware of include high housing costs, a high uninsured rate. Waterloo stands out as an excellent place to live, with strong marks across most quality-of-life indicators.

Economy & Jobs

The median household income in Waterloo is $250,001, which is significantly higher than the national average — 233% above $75,149. This places Waterloo among higher-income communities. The job market is very strong with unemployment at just 0.0%. Only 5.4% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 28 minutes.

Cost of Living & Housing

The median home value in Waterloo is $883,200, making it a premium housing market at 213% above the U.S. median of $281,900. Renters pay a median of $1,908 per month, significantly above the national average of $1,163. A price-to-income ratio of 3.5x indicates a reasonably affordable housing market.

Education

27.3% of residents hold a bachelor's degree, below the national average of 33.7%. 94.2% have completed high school. Area schools have an average test score of 4.7/10.

Climate & Weather

Waterloo enjoys a moderate climate with an average annual temperature of 62°F. Winters average 48°F in January while summers reach 76°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 18.4 inches. Air quality is rated Good with a median AQI of 48.

Waterloo has a population of 886 with a density of 163 people per square mile. The median age is 53.7 years, 38% older than the national median of 38.9. The city is predominantly White (86.6%), with 9.8% Hispanic.

Population

886
Total Population
163
People / sq mi
53.7yrs
Median Age
38% above US avg
5.4mi²
Land Area

Gender Distribution

Male 45.9%
Female 54.1%

Race & Ethnicity

Waterloo vs U.S. Average

Language Spoken at Home

English Only89.0%
13% above US avg
Spanish11.0%
18% below US avg

Social Characteristics

Waterloo vs U.S. Average

The median household income in Waterloo is $250,001, which is 233% above the national average of $75,149. The unemployment rate is 0.0% (below the 3.6% US average). 5.4% of residents live below the poverty line. Workers commute an average of 28 minutes.

Income: Waterloo vs U.S.

Commute Mode

Income

Median HH Income$250,001
233% above US avg
Per Capita Income$77,008
Avg Weekly Wage$1,541
IRS Avg AGI$83,943

Employment & Poverty

Unemployment0.0%
100% below US avg
Poverty Rate5.4%
56% below US avg
Establishments (County)73,284
County GDP$135,538M

Business (County)

Restaurants3,301
Healthcare4,098
Retail3,717
Manufacturing761

Tax & Cost of Living

Property Tax (IRS)$6,181
77% above US avg
Cost of Living110.70 (100=avg)
Effective Tax Rate0.70%

Commute & Transportation

Commute Time28.0 min
Drive Alone79.9%
Public Transit0.0%
Work from Home18.4%

Walkability

The median home value in Waterloo is $883,200, 213% above the national average. Monthly rent averages $1,908 (64% above US avg).

Home Value Sources

Ownership Split

Home Values

Census Median$883,200
213% above US avg

Real Estate Market (Redfin)

Rental Costs

Census Median Rent$1,908
64% above US avg
Rent Burden14.8%

HUD Fair Market Rent

Studio$1,513
1 Bedroom$1,647
2 Bedrooms$2,053
3 Bedrooms$2,752
4 Bedrooms$3,165

Ownership & Property

Owner-Occupied38.6%
Housing Units321
Median Year Built1956

Property Tax

Avg Tax (IRS)$6,181
77% above US avg
Effective Rate0.70%
In Waterloo, 33.4% of adults are obese (above the 32.1% national rate). 13.4% of residents lack health insurance. 15.5% are current smokers. 23.1% report depression. 25.2% are physically inactive.

Health Metrics: Waterloo vs U.S. Average (%)

Chronic Conditions

Obesity33.4%
4% above US avg
Diabetes11.1%
Heart Disease6.5%
High Blood Pressure30.3%
Asthma10.2%
COPD6.9%
Cancer6.6%
Stroke3.5%

Behaviors & Mental Health

Smoking15.5%
11% above US avg
Binge Drinking16.8%
Physical Inactivity25.2%
Depression23.1%
Mental Distress19.4%
Physical Distress15.5%
Short Sleep37.6%

Healthcare Access

Insurance Rate87.4%
Uninsured13.4%
56% above US avg
Primary Care1:1,123
Dentists1:1,215
Mental Health1:216
Checkup Rate68.3%
Dental Visits56.1%
Premature Death7,616/100K

Food & Exercise

Food Environment8.5/10
Exercise Access98.9%
Healthcare Facilities4,098
Waterloo has an average annual temperature of 62°F (17°C). Winters average 48°F in January while summers reach 76°F in July. Annual precipitation is 18.4 inches. The area enjoys 330 sunny days per year. Air quality is rated Good with a median AQI of 48.

Temperature

48°F Jan (9°C) 76°F Jul (24°C)
Annual Average62.2°F
15% above US avg
January Average48°F (9°C)
July Average76°F (24°C)
Sunny Days330 days/yr

Precipitation & Snow

Annual Rainfall18.4 inches
52% below US avg
Snowfall0.0 inches/yr

Air Quality

AQI Median48.0
RatingGood

Geography

Elevation58 ft (18 m)
Area5.4 sq mi (14.1 km²)
Population Density163/sq mi
Coordinates38.0365°N, 121.1846°W
TimezoneAmerica/Los_Angeles
County FIPS06067
It is classified as Metro — 1 million+. 27.3% of residents hold a bachelor's degree or higher (19% below US avg). In the 2024 election, the county voted Democrat by a 19.7-point margin. 100.0% of households have broadband internet.

2024 Presidential Election (County)

R 38.4%
D 58.1%

Winner: Democrat by 19.7 points

Education

Bachelor's Degree+27.3%
19% below US avg
High School+94.2%
Graduate Degree+9.1%
School Test Score4.69
B Education Grade (3.2/5.0)

Urban-Rural Classification

RUCC Code 1Metro — 1 million+
Population Density163/sq mi
Total Area5.4 sq mi

Infrastructure & Services

Broadband Access100.0%
Public Libraries32
Healthcare Facilities4,098
Restaurants3,301
Retail Stores3,717

Safety & Disasters

Fatal Crashes (County/yr)204

Commute & Transportation

Avg Commute28.0 min
Drive Alone79.9%
Public Transit0.0%
Work from Home18.4%

Nearby Cities

Morada, CA 3,337 pop · 3.3 mi Linden, CA 2,047 pop · 4.7 mi Garden Acres, CA 10,417 pop · 5.6 mi August, CA 8,471 pop · 5.8 mi Stockton, CA 320,470 pop · 7.9 mi Lockeford, CA 3,902 pop · 8.0 mi Kennedy, CA 2,697 pop · 8.1 mi Lodi, CA 67,008 pop · 8.2 mi Lincoln Village, CA 3,954 pop · 8.4 mi Country Club, MO 3,171 pop · 9.7 mi Country Club, CA 10,017 pop · 9.7 mi Taft Mosswood, CA 1,199 pop · 10.1 mi Woodbridge, CA 3,868 pop · 11.6 mi Dogtown, CA 3,180 pop · 12.0 mi
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