New York
Waterloo is a small town in New York with a population of 4,600. Residents earn $52,404 per year, which is 30% below the national average.
Based on current data, Waterloo receives an overall livability score of 3.9 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, a low poverty rate, high health insurance coverage. Areas to be aware of include below-average incomes. Waterloo offers a solid quality of life with a good balance of affordability, safety, and opportunity.
The median household income in Waterloo is $52,404, 30% below the national average of $75,149. Unemployment stands at 3.5%, indicating a healthy job market. Only 3.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
The median home value in Waterloo is $111,300, 61% below the national median — offering relatively affordable homeownership. Renters pay a median of $910 per month, below the national average — a plus for affordability. At just 2.1x median income, home prices are very affordable relative to local earnings.
23.4% of residents hold a bachelor's degree, below the national average of 33.7%. 88.7% have completed high school. Area schools have an average test score of 5.4/10.
Waterloo experiences four distinct seasons with an average temperature of 48°F. Winters average 24°F in January while summers reach 70°F in July. Annual precipitation totals 37.0 inches, including 56.2 inches of snow. Air quality is rated Good with a median AQI of 36.
| English Only | 93.3% |
| 19% above US avg | |
| Spanish | 6.7% |
| 50% below US avg |
| Median HH Income | $52,404 |
| 30% below US avg | |
| Per Capita Income | $33,859 |
| Avg Weekly Wage | $1,219 |
| IRS Avg AGI | $64,931 |
| Unemployment | 3.5% |
| 3% below US avg | |
| Poverty Rate | 3.0% |
| 76% below US avg | |
| Establishments (County) | 765 |
| County GDP | $2,064M |
| Restaurants | 83 |
| Healthcare | 52 |
| Retail | 150 |
| Manufacturing | 53 |
| Property Tax (IRS) | $7,548 |
| 116% above US avg | |
| Effective Tax Rate | 6.78% |
| Commute Time | 22.2 min |
| Work from Home | 12.6% |
| Census Median | $111,300 |
| 61% below US avg | |
| Zillow ZHVI | $177,124 |
| Median List Price | $144,900 |
| Median List Price | $144,900 |
| $/Sq Ft | $51 |
| Homes Sold | 3 |
| Sale-to-List Ratio | 82.0% |
| Price Drops | 25.0% |
| Inventory | 4 |
| Census Median Rent | $910 |
| 22% below US avg |
| Studio | $1,215 |
| 1 Bedroom | $1,315 |
| 2 Bedrooms | $1,579 |
| 3 Bedrooms | $1,976 |
| 4 Bedrooms | $2,193 |
| Owner-Occupied | 68.9% |
| Avg Tax (IRS) | $7,548 |
| 116% above US avg | |
| Effective Rate | 6.78% |
| Obesity | 35.7% |
| 11% above US avg | |
| Diabetes | 9.4% |
| Heart Disease | 5.9% |
| High Blood Pressure | 31.0% |
| Asthma | 11.8% |
| COPD | 7.4% |
| Stroke | 3.2% |
| Binge Drinking | 18.7% |
| Physical Inactivity | 27.4% |
| Depression | 23.5% |
| Mental Distress | 19.3% |
| Physical Distress | 14.2% |
| Insurance Rate | 97.8% |
| Checkup Rate | 78.4% |
| Premature Death | 7,640/100K |
| Food Environment | 8.4/10 |
| Exercise Access | 62.8% |
| Healthcare Facilities | 52 |
| Fatal Crashes (County/yr) | 2 |
| Annual Average | 47.6°F |
| 12% below US avg | |
| January Average | 24°F (-5°C) |
| July Average | 70°F (21°C) |
| Annual Rainfall | 37.0 inches |
| 3% below US avg | |
| Snowfall | 56.2 inches/yr |
| AQI Median | 36.0 |
| Rating | Good |
| Elevation | 452 ft (138 m) |
| Area | 2.2 sq mi (5.6 km²) |
| Population Density | 2,130/sq mi |
| Coordinates | 42.9046°N, 76.8590°W |
| County FIPS | 36099 |
Winner: Republican by 11.8 points
| Bachelor's Degree+ | 23.4% |
| 31% below US avg | |
| High School+ | 88.7% |
| School Test Score | 5.39 |
| RUCC Code 6 | Nonmetro — Urban 2.5K–20K, adjacent |
| Population Density | 2,130/sq mi |
| Total Area | 2.2 sq mi |
| EV Charging Stations | 9 |
| Alt Fuel Stations | 9 |
| Public Libraries | 6 |
| Healthcare Facilities | 52 |
| Restaurants | 83 |
| Retail Stores | 150 |
| Fatal Crashes (County/yr) | 2 |
| Avg Commute | 22.2 min |
| Work from Home | 12.6% |