Median Income
$55,882
26% lower than US avg
Home Value
$97,600
65% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
19.9%
41% lower than US avg
Median Rent
$753
35% lower than US avg
Obesity Rate
40.0%
25% higher than US avg
Unemployment
1.7%
53% lower than US avg
Poverty Rate
6.0%
52% lower than US avg
How Waverly Compares to the U.S. Average (100% = U.S. avg)
People
Population1,456
Median Age41.4 yrs
Density1,400/mi²
Male / Female45% / 55%
Largest GroupWhite 87%
Veterans8.8%
Economy
A
Median Income$55,882
Per Capita$30,262
Unemployment1.7%
Poverty6.0%
County GDP$15,669M
Commute23 min
Housing
A+
Home Value$97,600
Rent$753
Ownership81.2%
Zillow$112,031
Housing Units614
Rent Burden24.3%
Crime
C+
Violent0/100K
Property833/100K
Murder0.0/100K
Assault0/100K
Burglary750/100K
Health
Obesity40.0%
Uninsured8.1%
Smoking16.7%
Depression25.2%
Heart Disease5.8%
Climate
Avg Temp55°F (13°C)
AQI43 (Good)
Rain38.4 in/yr
Sunny Days302/yr
Elevation686 ft (209 m)
Education
C+
Bachelor's+19.9%
High School+93.9%
Graduate+7.8%
School Score5.36
Community
2024 VoteR 52% / D 47%
Commute23 min
Broadband82.5%
EV Stations1
Libraries13
Is Waverly a Good Place to Live?
Based on current data, Waverly receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Waverly offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Waverly is $55,882, 26% below the national average of $75,149. The job market is very strong with unemployment at just 1.7%. Only 6.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 23 minutes.
Cost of Living & Housing
The median home value in Waverly is $97,600, 65% below the national median / offering relatively affordable homeownership. Renters pay a median of $753 per month, below the national average / a plus for affordability. At just 1.7x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Waverly is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 833 per 100,000, 57% below the national average.
Education
19.9% of residents hold a bachelor's degree, below the national average of 33.7%. 93.9% have completed high school. Area schools have an average test score of 5.4/10.
Climate & Weather
Waverly experiences four distinct seasons with an average temperature of 55°F. Winters average 29°F in January while summers reach 77°F in July. With 302 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 38.4 inches, including 16.1 inches of snow. Air quality is rated Good with a median AQI of 43.
Waverly has a population of 1,456 with a density of 1,400 people per square mile, spread across 0.4 square miles. The median age is 41.4 years, 6% older than the national median of 38.9. The gender split is 54.8% female and 45.2% male. The city is predominantly White (86.7%), with 2.3% Black. English is the primary language spoken at home by 99% of residents. 8.8% of the population are veterans, above the national rate of 6.0%. 18.1% of residents have a disability (above the 13.0% national average). 95.0% have health insurance coverage.
Population
41.4yrs
Median Age
6% above US avg
Language Spoken at Home
English Only
99.0%
26% above US avg
Spanish
1.0%
93% below US avg
The median household income in Waverly is $55,882, which is 26% below the national average of $75,149. Per capita income is $30,262 (below the $39,052 national figure). The average weekly wage is $1,334. The unemployment rate is 1.7% (below the 3.6% US average). 6.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 4,970 business establishments, including 544 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 23 minutes (shorter than the 28-minute US average). 6.3% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $55,882 |
| 26% below US avg |
| Per Capita Income | $30,262 |
| Avg Weekly Wage | $1,334 |
| IRS Avg AGI | $83,001 |
| Gini Index | 0.460 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.7% |
| 53% below US avg |
| Poverty Rate | 6.0% |
| 52% below US avg |
| Establishments (County) | 4,970 |
| County GDP | $15,669M |
Business (County)
| Restaurants | 544 |
| Healthcare | 489 |
| Retail | 672 |
| Manufacturing | 92 |
Tax & Cost of Living
| Property Tax (IRS) | $7,281 |
| 108% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 7.46% |
Commute & Transportation
| Commute Time | 22.9 min |
| Drive Alone | 86.9% |
| Public Transit | 0.0% |
| Work from Home | 6.3% |
The median home value in Waverly is $97,600, 65% below the national median of $281,900. Zillow estimates the typical home value at $112,031, higher than the Census estimate. Monthly rent averages $753 (35% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 81.2% of housing units are owner-occupied (above the 65.4% national rate). There are 614 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $7,281 (higher than the $3,500 national average). 24.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.7x, well within the affordable range.
Home Values
| Census Median | $97,600 |
| 65% below US avg |
| Zillow ZHVI | $112,031 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $753 |
| 35% below US avg |
| Rent Burden | 24.3% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 81.2% |
| Owner-Occupied | 81.2% |
| Renter-Occupied | 18.8% |
| Housing Units | 614 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $7,281 |
| 108% above US avg |
| Effective Rate | 7.46% |
In Waverly, 40.0% of adults are obese, above the national rate of 32.1%. 10.1% have diabetes. Heart disease affects 5.8% of residents. 32.2% have high blood pressure. 16.7% are current smokers. 20.1% report binge drinking. 23.5% are physically inactive. 25.2% report depression (above the 20.0% national average). 19.7% experience frequent mental distress. 8.1% of residents lack health insurance. The primary care physician ratio is 1:829. The dentist ratio is 1:1,165. 87.6% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Waverly vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.0% |
| 25% above US avg |
| Diabetes | 10.1% |
| Heart Disease | 5.8% |
| High Blood Pressure | 32.2% |
| Asthma | 11.0% |
| COPD | 7.5% |
| Cancer | 7.3% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 16.7% |
| 19% above US avg |
| Binge Drinking | 20.1% |
| Physical Inactivity | 23.5% |
| Depression | 25.2% |
| Mental Distress | 19.7% |
| Physical Distress | 13.6% |
| Short Sleep | 38.0% |
Healthcare Access
| Insurance Rate | 95.0% |
| Uninsured | 8.1% |
| 6% below US avg |
| Primary Care | 1:829 |
| Dentists | 1:1,165 |
| Mental Health | 1:310 |
| Checkup Rate | 75.6% |
| Dental Visits | 58.2% |
| Premature Death | 8,880/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 87.6% |
| Healthcare Facilities | 489 |
Waverly has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. This breaks down to aggravated assault at 0.0 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 833 per 100,000, 57% below the U.S. average. This includes larceny/theft at 83, burglary at 750, vehicle theft at 0 per 100,000 residents. The county recorded 30 fatal traffic crashes. Overall, Waverly receives a safety grade of C+.
Crime Rates: Waverly vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 0.0/100K |
Property Crime
| Total Property | 833.3/100K |
| 57% below US avg |
| Burglary | 750.0/100K |
| Theft | 83.3/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 30 |
| Traffic Accidents | 1 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Waverly experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 29°F in January while summers reach 77°F in July. The area gets 302 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 38.4 inches. The area receives 16.1 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 686 feet.
Temperature
29°F Jan (-2°C)
77°F Jul (25°C)
| Annual Average | 54.8°F |
| 1% above US avg |
| January Average | 29°F (-2°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 302 days/yr |
Geography
| Elevation | 686 ft (209 m) |
| Area | 0.4 sq mi (1.0 km²) |
| Population Density | 1,400/sq mi |
| Coordinates | 39.5926°N, 89.9528°W |
| Timezone | America/Chicago |
| County | Sangamon County County |
| Nearest Airport | St Louis Regional (ALN)
49 miles away |
Precipitation & Snow
Annual Rainfall
38.4"
1% above US avg
Wettest Month (May)
4.37"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0483 ppm |
| PM2.5 (Fine Particles) | 8.9 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 91.7 / 100 |
| Social Vulnerability | 32.0 / 100 |
| Community Resilience | 92.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively High |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively High |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively High |
| Cold Wave |
Relatively High |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
12 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.4. Most recent: M3.3 on May 13, 2025.
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
107 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
142 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
101 km |
| Jul 1, 2017 |
9 km SSE of Mulberry Grove, Illinois |
M3.1 |
104 km |
| Sep 5, 2004 |
3 km WNW of Saint Peter, Illinois |
M2.9 |
121 km |
| Apr 29, 2022 |
1 km SSW of Peerless Park, Missouri |
M2.8 |
127 km |
| Mar 28, 2024 |
1 km NNE of Germantown, Illinois |
M2.8 |
119 km |
| May 5, 2008 |
3 km SSE of Fenton, Missouri |
M2.8 |
129 km |
| Sep 13, 1997 |
3 km SSE of Darmstadt, Illinois |
M2.8 |
146 km |
| Sep 5, 2015 |
5 km SE of High Ridge, Missouri |
M2.7 |
137 km |
| Sep 19, 2024 |
1 km S of Old Monroe, Missouri |
M2.6 |
102 km |
| Jan 15, 1998 |
1 km SSE of Fenton, Missouri |
M2.5 |
128 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
671 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 27 fatalities, 680 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 13, 1995 |
EF4 |
91 km |
0 |
| Apr 3, 1981 |
EF4 |
98 km |
0 |
| May 5, 1977 |
EF4 |
95 km |
0 |
| Jun 14, 1957 |
EF4 |
28 km |
2 |
| Apr 4, 2023 |
EF3 |
88 km |
0 |
| Dec 10, 2021 |
EF3 |
93 km |
6 |
| Dec 1, 2018 |
EF3 |
52 km |
0 |
| May 31, 2013 |
EF3 |
90 km |
0 |
| Apr 19, 2011 |
EF3 |
20 km |
0 |
| Dec 31, 2010 |
EF3 |
44 km |
0 |
| Aug 19, 2009 |
EF3 |
52 km |
0 |
| Jun 1, 1999 |
EF3 |
39 km |
1 |
| Apr 19, 1996 |
EF3 |
71 km |
0 |
| Apr 19, 1996 |
EF3 |
96 km |
0 |
| May 13, 1995 |
EF3 |
92 km |
0 |
| May 9, 1995 |
EF3 |
37 km |
0 |
| May 1, 1983 |
EF3 |
42 km |
0 |
| Jun 21, 1981 |
EF3 |
91 km |
1 |
| Apr 7, 1980 |
EF3 |
96 km |
0 |
| Jul 26, 1978 |
EF3 |
27 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
29°F (-2°C) |
1.7 in |
Coldest, Driest |
| February |
31°F (-1°C) |
1.9 in |
|
| March |
42°F (5°C) |
3.3 in |
|
| April |
53°F (12°C) |
3.7 in |
|
| May |
64°F (18°C) |
4.4 in |
Wettest |
| June |
72°F (22°C) |
3.9 in |
|
| July |
77°F (25°C) |
3.7 in |
Warmest |
| August |
74°F (23°C) |
3.4 in |
|
| September |
67°F (19°C) |
3.4 in |
|
| October |
55°F (13°C) |
2.6 in |
|
| November |
42°F (6°C) |
3.1 in |
|
| December |
31°F (-1°C) |
2.7 in |
|
Waverly has a seasonal temperature swing of 49°F / from 29°F in January to 77°F in July. Total annual precipitation is 37.5 inches, with May being the wettest month (4.4") and January the driest (1.7").
Average costs for common services in Waverly. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $848 |
| Toddler | $815 |
| Preschool | $758 |
| Family Childcare (monthly) |
| Infant | $783 |
| Toddler | $748 |
| Preschool | $686 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Waverly
What is the population of Waverly?
Waverly has a population of 1,456 residents and is located in Illinois. The population density is 1,400 people per square mile, spread across 0.4 square miles. The median age of residents is 41.4 years, which is older than the national median of 38.9 years. The population is 54.8% female and 45.2% male.
Is Waverly expensive to live in?
Waverly has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $55,882, 26% below the national average of $75,149. The median home value is $97,600 (65% below the U.S. median). Renters pay a median of $753 per month, below the national average of $1,163. The home price-to-income ratio is 1.7x, indicating housing is reasonably affordable relative to local income levels.
Is Waverly safe?
Waverly is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 833 per 100,000 (below the national average). Overall, Waverly receives a safety grade of C+ based on combined crime data.
What is the weather like in Waverly?
Waverly has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 29°F in January, while summers reach an average of 77°F in July. The area receives 302 sunny days per year, well above the national average of 205. Annual rainfall totals 38.4 inches, with 16.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Waverly?
The job market in Waverly is very strong, with unemployment at just 1.7% / well below the national rate of 3.6%. The average weekly wage is $1,334. There are 4,970 business establishments in the area, including 544 restaurants and food service locations. The average commute time is 23 minutes, and 6.3% of workers work from home.
How much does housing cost in Waverly?
The median home value in Waverly is $97,600. Zillow estimates the typical home value at $112,031. For renters, the median monthly rent is $753. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 81.2%. The average annual property tax is $7,281.
How are the schools in Waverly?
Schools in Waverly score 5.4 out of 10 on standardized testing, near the national average. 19.9% of adults in Waverly hold a bachelor's degree or higher, below the national average of 33.7%. 93.9% have completed high school. 7.8% hold a graduate or professional degree.
How healthy is Waverly?
The obesity rate in Waverly is 40.0% (above the national rate of 32.1%). 16.7% of adults are smokers. 23.5% are physically inactive. 25.2% of residents report depression. 8.1% lack health insurance. 87.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:829.
What is transportation like in Waverly?
The average commute in Waverly is 23 minutes, shorter than the national average of 28 minutes. 86.9% of workers drive alone to work, and 6.3% work from home.
What are the demographics of Waverly?
The racial and ethnic makeup of Waverly is 86.7% White, 2.3% Black or African American, 1% Hispanic or Latino. 99% of residents speak only English at home. 8.8% of the population are military veterans. 18.1% of residents have a disability. 95.0% have health insurance coverage.
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