Waterloo, NY
Full City Profile · New York · Seneca County County
3.8
/5.0
B+
Good
4,600
Population
2,130/sq mi density
$52,404
Median Income
$33,859 per capita
$111,300
Home Value
$190,073 Zillow
$910
Median Rent
26.8% income on rent
47°F
Avg Temperature
B+
Overall
3.8 / 5.0
Good overall score based on economy, affordability, safety and education
B
Economy
3.4 / 5.0
$52,404 median income, 6.3% unemployment
A+
Affordability
5.0 / 5.0
$111,300 home value, $910/mo rent
C+
Education
2.9 / 5.0
23.4% bachelor's degree or higher
Waterloo experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 23°F in January while summers reach 70°F in July. Annual precipitation totals 37.7 inches. The area receives 56.6 inches of snow annually.
Temperature
23°F Jan (-5°C)
70°F Jul (21°C)
| Annual Average | 47.0°F |
| 13% below US avg | |
| January Average | 23°F (-5°C) |
| July Average | 70°F (21°C) |
Geography
| 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 |
| Timezone | America/New_York |
| County | Seneca County County |
| Nearest Airport | Ithaca Tompkins International (ITH) 35 miles away |
Precipitation & Snow
Air Quality
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 41.8 / 100 |
| Social Vulnerability | 80.4 / 100 |
| Community Resilience | 83.8 / 100 |
Hazard Breakdown
| Tornado | Relatively Low |
| Hurricane | Relatively Low |
| Earthquake | Very Low |
| Wildfire | Very Low |
| Flood | Relatively Low |
| Hail | Relatively Low |
| Strong Wind | Relatively Low |
| Heat Wave | Very Low |
| Winter Weather | Very Low |
| Lightning | Relatively Low |
| Ice Storm | Relatively Moderate |
| Drought | Relatively Moderate |
| Cold Wave | Very Low |
| Landslide | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 23°F (-5°C) | 2.2 in | Coldest |
| February | 25°F (-4°C) | 2.0 in | Driest |
| March | 32°F (-0°C) | 2.9 in | |
| April | 44°F (7°C) | 3.2 in | |
| May | 57°F (14°C) | 3.3 in | |
| June | 66°F (19°C) | 3.8 in | |
| July | 70°F (21°C) | 3.9 in | Warmest, Wettest |
| August | 68°F (20°C) | 3.7 in | |
| September | 61°F (16°C) | 3.6 in | |
| October | 50°F (10°C) | 3.8 in | |
| November | 39°F (4°C) | 2.9 in | |
| December | 29°F (-1°C) | 2.6 in |
Waterloo has a seasonal temperature swing of 47°F / from 23°F in January to 70°F in July. Total annual precipitation is 37.7 inches, with July being the wettest month (3.9") and February the driest (2.0").