Median Income
$41,250
45% lower than US avg
Bachelor's+
31.4%
7% lower than US avg
Obesity Rate
39.6%
23% higher than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
21.2%
71% higher than US avg
How Waterloo Compares to the U.S. Average (100% = U.S. avg)
People
Population192
Median Age49.4 yrs
Density108/mi²
Male / Female56% / 44%
Largest GroupWhite 14%
Economy
B
Median Income$41,250
Per Capita$16,085
Unemployment1.4%
Poverty21.2%
County GDP$2,914M
Commute40 min
Housing
Home ValueN/A
RentN/A
OwnershipN/A
Zillow$192,112
Health
Obesity39.6%
UninsuredN/A
Depression21.0%
Heart Disease6.1%
Climate
Avg Temp62°F
AQI43 (Good)
Rain47.5 in/yr
Elevation638 ft
Education
B+
Bachelor's+31.4%
High School+83.5%
School Score4.51
Community
2024 VoteR 70% / D 29%
Commute40 min
Broadband90.0%
Libraries3
Is Waterloo a Good Place to Live?
Based on current data, Waterloo receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, high health insurance coverage. Areas to be aware of include an elevated poverty rate, below-average incomes, long commute times. Waterloo offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Waterloo is $41,250, 45% below the national average of $75,149. The job market is very strong with unemployment at just 1.4%. The poverty rate of 21.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 40 minutes, longer than the typical American commute of 28 minutes.
Education
31.4% of residents hold a bachelor's degree, below the national average of 33.7%. 83.5% have completed high school. Area schools have an average test score of 4.5/10.
Climate & Weather
Waterloo enjoys a moderate climate with an average annual temperature of 62°F. Winters average 43°F in January while summers reach 80°F in July. Annual precipitation totals 47.5 inches. Air quality is rated Good with a median AQI of 43.
Waterloo has a population of 192 with a density of 108 people per square mile. The median age is 49.4 years, 27% older than the national median of 38.9. The city is predominantly Black (81.3%), with 13.5% White.
Population
49.4yrs
Median Age
27% above US avg
Language Spoken at Home
| English Only | 97.9% |
| 25% above US avg |
| Spanish | 2.1% |
| 84% below US avg |
The median household income in Waterloo is $41,250, which is 45% below the national average of $75,149. The unemployment rate is 1.4% (below the 3.6% US average). 21.2% of residents live below the poverty line. Workers commute an average of 40 minutes.
Income
| Median HH Income | $41,250 |
| 45% below US avg |
| Per Capita Income | $16,085 |
| Avg Weekly Wage | $992 |
| IRS Avg AGI | $52,027 |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 21.2% |
| 71% above US avg |
| Establishments (County) | 1,049 |
| County GDP | $2,914M |
Business (County)
| Restaurants | 93 |
| Healthcare | 68 |
| Retail | 196 |
| Manufacturing | 79 |
Tax & Cost of Living
| Property Tax (IRS) | $2,275 |
| 35% below US avg |
Commute & Transportation
| Commute Time | 40.4 min |
| Work from Home | 0.0% |
Zillow estimates the typical home value at $192,112.
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $928 |
| 1 Bedroom | $982 |
| 2 Bedrooms | $1,155 |
| 3 Bedrooms | $1,450 |
| 4 Bedrooms | $1,699 |
Ownership & Property
Property Tax
| Avg Tax (IRS) | $2,275 |
| 35% below US avg |
In Waterloo, 39.6% of adults are obese (above the 32.1% national rate). 21.0% report depression. 30.9% are physically inactive.
Health Metrics: Waterloo vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.6% |
| 23% above US avg |
| Diabetes | 15.3% |
| Heart Disease | 6.1% |
| High Blood Pressure | 40.3% |
| Asthma | 10.6% |
| COPD | 6.7% |
| Stroke | 4.3% |
Behaviors & Mental Health
| |
| Binge Drinking | 13.9% |
| Physical Inactivity | 30.9% |
| Depression | 21.0% |
| Mental Distress | 18.4% |
| Physical Distress | 14.0% |
Healthcare Access
| Insurance Rate | 94.3% |
| |
| Checkup Rate | 81.0% |
| Premature Death | 13,904/100K |
Food & Exercise
| Food Environment | 7.5/10 |
| Exercise Access | 52.3% |
| Healthcare Facilities | 68 |
Crime Rates: Waterloo vs U.S. Average (per 100,000)
Traffic Safety
| Fatal Crashes (County/yr) | 21 |
Safety Score
Waterloo has an average annual temperature of 62°F (17°C). Winters average 43°F in January while summers reach 80°F in July. Annual precipitation is 47.5 inches. Air quality is rated Good with a median AQI of 43.
Temperature
43°F Jan (6°C)
80°F Jul (27°C)
| Annual Average | 61.9°F |
| 15% above US avg |
| January Average | 43°F (6°C) |
| July Average | 80°F (27°C) |
Precipitation & Snow
| Annual Rainfall | 47.5 inches |
| 25% above US avg |
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Geography
| Elevation | 638 ft (194 m) |
| Area | 1.8 sq mi (4.6 km²) |
| Population Density | 108/sq mi |
| Coordinates | 34.3562°N, 82.0572°W |
| County FIPS | 45059 |