Waterloo, IA
Full City Profile · Iowa · Black Hawk County County
3.0
/5.0
B
Good
66,947
Population
1,087/sq mi density
$56,344
Median Income
$33,372 per capita
$150,200
Home Value
$147,780 Zillow
$896
Median Rent
27.4% income on rent
49°F
Avg Temperature
484
Violent Crime/100K
2,484 property/100K
B
Overall
3.0 / 5.0
Good overall score based on economy, affordability, safety and education
B
Economy
3.2 / 5.0
$56,344 median income, 6.4% unemployment
A+
Affordability
5.0 / 5.0
$150,200 home value, $896/mo rent
F
Safety
1.0 / 5.0
484 violent crimes/100K (27% above avg)
C+
Education
2.8 / 5.0
22.6% bachelor's degree or higher
Waterloo experiences four distinct seasons with an average annual temperature of 49°F (9°C). Winters average 19°F in January while summers reach 75°F in July. Annual precipitation totals 36.3 inches. The area receives 39.1 inches of snow annually. Air quality is rated Good with a median AQI of 47.
Temperature
19°F Jan (-7°C)
75°F Jul (24°C)
| Annual Average | 49.0°F |
| 9% below US avg | |
| January Average | 19°F (-7°C) |
| July Average | 75°F (24°C) |
Geography
| Elevation | 892 ft (272 m) |
| Area | 63.2 sq mi (163.8 km²) |
| Population Density | 1,087/sq mi |
| Coordinates | 42.4923°N, 92.3519°W |
| Timezone | America/Chicago |
| County | Black Hawk County County |
| Nearest Airport | Waterloo Regional (ALO) 5 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 47.0 |
| Rating | Good |
| Good Days % | 58.9% |
| Unhealthy Days | 0 |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 9.4 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.6 / 100 |
| Social Vulnerability | 23.4 / 100 |
| Community Resilience | 94.6 / 100 |
Hazard Breakdown
| Tornado | Relatively High |
| Hurricane | Very Low |
| Earthquake | Very Low |
| Wildfire | Very Low |
| Flood | Relatively Moderate |
| Hail | Relatively Moderate |
| Strong Wind | Relatively High |
| Heat Wave | Relatively Low |
| Winter Weather | Relatively High |
| Lightning | Relatively Low |
| Ice Storm | Relatively Moderate |
| Drought | Relatively High |
| Cold Wave | Relatively Moderate |
| Landslide | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 19°F (-7°C) | 1.1 in | Coldest, Driest |
| February | 24°F (-5°C) | 1.1 in | |
| March | 37°F (3°C) | 2.0 in | |
| April | 49°F (10°C) | 4.0 in | |
| May | 62°F (16°C) | 4.6 in | |
| June | 72°F (22°C) | 5.7 in | Wettest |
| July | 75°F (24°C) | 4.3 in | Warmest |
| August | 72°F (22°C) | 4.2 in | |
| September | 65°F (18°C) | 3.1 in | |
| October | 52°F (11°C) | 2.8 in | |
| November | 37°F (3°C) | 1.9 in | |
| December | 25°F (-4°C) | 1.4 in |
Waterloo has a seasonal temperature swing of 55°F / from 19°F in January to 75°F in July. Total annual precipitation is 36.3 inches, with June being the wettest month (5.7") and January the driest (1.1").