Median Income
$61,250
18% lower than US avg
Home Value
$100,000
65% lower than US avg
Bachelor's+
8.4%
75% lower than US avg
Median Rent
$773
34% lower than US avg
Obesity Rate
34.5%
7% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
17.9%
44% higher than US avg
How Waverly Compares to the U.S. Average (100% = U.S. avg)
People
Population361
Median Age46.5 yrs
Density1,337/mi²
Male / Female51% / 49%
Largest GroupWhite 99%
Veterans21.1%
Economy
B+
Median Income$61,250
Per Capita$30,016
Unemployment0.0%
Poverty17.9%
County GDP$1,146M
Commute27 min
Housing
A+
Home Value$100,000
Rent$773
Ownership85.0%
Zillow$164,591
Housing Units161
Rent Burden13.6%
Health
Obesity34.5%
Uninsured1.4%
Climate
Avg Temp57°F (14°C)
Rain46.0 in/yr
Elevation403 ft (123 m)
Education
D
Bachelor's+8.4%
High School+92.7%
Graduate+2.2%
School Score5.39
Community
2024 VoteR 79% / D 20%
Commute27 min
Broadband85.0%
EV Stations1
Libraries3
Is Waverly a Good Place to Live?
Based on current data, Waverly receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, high health insurance coverage. Areas to be aware of include an elevated poverty rate. 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 $61,250, 18% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. The poverty rate of 17.9% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Waverly is $100,000, 65% below the national median / offering relatively affordable homeownership. Renters pay a median of $773 per month, below the national average / a plus for affordability. At just 1.6x median income, home prices are very affordable relative to local earnings.
Education
8.4% of residents hold a bachelor's degree, below the national average of 33.7%. 92.7% have completed high school. Area schools have an average test score of 5.4/10.
Climate & Weather
Waverly enjoys a moderate climate with an average annual temperature of 57°F. Winters average 34°F in January while summers reach 78°F in July. Annual precipitation totals 46.0 inches, including 12.4 inches of snow.
Waverly has a population of 361 with a density of 1,337 people per square mile, spread across 0.3 square miles. The median age is 46.5 years, 20% older than the national median of 38.9. The gender split is 49% female and 51% male. The city is predominantly White (99.2%). English is the primary language spoken at home by 99.4% of residents. 21.1% of the population are veterans, above the national rate of 6.0%. 36.0% of residents have a disability (above the 13.0% national average). 98.6% have health insurance coverage.
Population
361
Total Population
2023 Census
46.5yrs
Median Age
20% above US avg
Language Spoken at Home
English Only
99.4%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Waverly is $61,250, which is 18% below the national average of $75,149. Per capita income is $30,016 (below the $39,052 national figure). The average weekly wage is $1,175, 18% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 17.9% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 390 business establishments, including 23 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 27 minutes. 2.5% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $61,250 |
| 18% below US avg |
| Per Capita Income | $30,016 |
| Avg Weekly Wage | $1,175 |
| IRS Avg AGI | $62,483 |
| Gini Index | 0.425 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 17.9% |
| 44% above US avg |
| Establishments (County) | 390 |
| County GDP | $1,146M |
Business (County)
| Restaurants | 23 |
| Healthcare | 35 |
| Retail | 48 |
| Manufacturing | 11 |
Tax & Cost of Living
| Property Tax (IRS) | $2,260 |
| 35% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 2.26% |
Commute & Transportation
| Commute Time | 27.3 min |
| Drive Alone | 93.6% |
| Public Transit | 0.0% |
| Work from Home | 2.5% |
The median home value in Waverly is $100,000, 65% below the national median of $281,900. Zillow estimates the typical home value at $164,591, higher than the Census estimate. Monthly rent averages $773 (34% below the national average of $1,163). Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 85.0% of housing units are owner-occupied (above the 65.4% national rate). There are 161 total housing units in the city. The median year a home was built is 1973. The average annual property tax is $2,260 (lower than the $3,500 national average). 13.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.6x, well within the affordable range.
Home Values
| Census Median | $100,000 |
| 65% below US avg |
| Zillow ZHVI | $164,591 |
Rental Costs
| Census Median Rent | $773 |
| 34% below US avg |
| Rent Burden | 13.6% |
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 85.0% |
| Owner-Occupied | 85.0% |
| Renter-Occupied | 15.0% |
| Housing Units | 161 |
| Median Year Built | 1973 |
Property Tax
| Avg Tax (IRS) | $2,260 |
| 35% below US avg |
| Effective Rate | 2.26% |
In Waverly, 34.5% of adults are obese, above the national rate of 32.1%. 1.4% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:4,515. The dentist ratio is 1:1,620. 69.0% of residents have access to exercise opportunities. The food environment index is 5.3 out of 10.
Health Metrics: Waverly vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.5% |
| 7% above US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 98.6% |
| Uninsured | 1.4% |
| 84% below US avg |
| Primary Care | 1:4,515 |
| Dentists | 1:1,620 |
| Mental Health | 1:1,191 |
| Dental Visits | 48.7% |
| Premature Death | 10,035/100K |
Food & Exercise
| Food Environment | 5.3/10 |
| Exercise Access | 69.0% |
| Healthcare Facilities | 35 |
Waverly enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 34°F in January while summers reach 78°F in July. Annual precipitation totals 46.0 inches (wetter than the 38-inch national average). The area receives 12.4 inches of snow annually. The city sits at an elevation of 403 feet.
Temperature
34°F Jan (1°C)
78°F Jul (25°C)
| Annual Average | 57.1°F |
| 6% above US avg |
| January Average | 34°F (1°C) |
| July Average | 78°F (25°C) |
Geography
| Elevation | 403 ft (123 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 1,337/sq mi |
| Coordinates | 37.7097°N, 87.8151°W |
| Timezone | America/New_York |
| County | Union County County |
| Nearest Airport | Evansville Regional (EVV)
28 miles away |
Precipitation & Snow
Annual Rainfall
46.0"
21% above US avg
Wettest Month (Apr)
4.93"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 42.8 / 100 |
| Social Vulnerability | 69.3 / 100 |
| Community Resilience | 34.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
97 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
83 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
83 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
33 km |
| Feb 5, 1994 |
2 km WNW of Dongola, Illinois |
M4.2 |
127 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
82 km |
| Jun 6, 2003 |
1 km NE of Bardwell, Kentucky |
M4.0 |
139 km |
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
126 km |
| Dec 7, 2000 |
7 km W of Evansville, Indiana |
M3.9 |
33 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
80 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
133 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
132 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
83 km |
| Jun 20, 2005 |
4 km WSW of Blandville, Kentucky |
M3.6 |
137 km |
| Jan 2, 2006 |
3 km NNE of Eldorado, Illinois |
M3.6 |
55 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
83 km |
| Mar 15, 2017 |
9 km ESE of Wyatt, Missouri |
M3.6 |
148 km |
| May 1, 2016 |
5 km SE of New Grand Chain, Illinois |
M3.5 |
117 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
83 km |
| Sep 26, 1994 |
4 km ENE of Blandville, Kentucky |
M3.4 |
128 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
96 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
513 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 53 fatalities, 874 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Feb 29, 2012 |
EF4 |
74 km |
8 |
| Nov 15, 2005 |
EF4 |
57 km |
0 |
| Jun 2, 1990 |
EF4 |
90 km |
6 |
| Jun 2, 1990 |
EF4 |
83 km |
1 |
| Jan 7, 1989 |
EF4 |
86 km |
0 |
| Jul 9, 2024 |
EF3 |
25 km |
0 |
| May 26, 2024 |
EF3 |
70 km |
1 |
| Feb 28, 2017 |
EF3 |
54 km |
1 |
| Nov 17, 2013 |
EF3 |
68 km |
0 |
| Nov 17, 2013 |
EF3 |
11 km |
0 |
| Apr 10, 2009 |
EF3 |
72 km |
0 |
| Mar 28, 2009 |
EF3 |
8 km |
0 |
| Feb 5, 2008 |
EF3 |
80 km |
3 |
| Oct 18, 2007 |
EF3 |
57 km |
0 |
| Apr 2, 2006 |
EF3 |
92 km |
0 |
| Nov 6, 2005 |
EF3 |
38 km |
0 |
| Nov 6, 2005 |
EF3 |
14 km |
24 |
| May 11, 2003 |
EF3 |
58 km |
0 |
| Apr 28, 2002 |
EF3 |
37 km |
0 |
| Apr 28, 2002 |
EF3 |
89 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (2,286 ac, 2019).
| Year |
Name |
Acres |
Distance |
| 2019 |
UNNAMED |
2,286 |
72 km |
| 2021 |
GAP VIEW RX |
1,575 |
61 km |
| 2022 |
DENNISON HOLLOW RX |
1,573 |
54 km |
| 2007 |
DEAD DEER |
1,557 |
89 km |
| 2021 |
UNNAMED |
1,510 |
74 km |
| 2022 |
ONE HORSE GAP RX |
1,502 |
60 km |
| 2014 |
UNNAMED |
1,493 |
53 km |
| 2015 |
UNNAMED |
1,447 |
54 km |
| 2021 |
BEATTY BRANCH RX |
1,396 |
71 km |
| 2016 |
UNNAMED |
1,299 |
60 km |
| 2014 |
UNNAMED |
1,216 |
60 km |
| 2013 |
UNNAMED |
1,203 |
61 km |
| 2024 |
LBL - NWDA UNIT 3 RX |
1,187 |
95 km |
| 2013 |
UNNAMED |
1,167 |
88 km |
| 1999 |
UNNAMED |
1,039 |
93 km |
| 2024 |
PINE HOLLOW RX |
1,038 |
79 km |
| 2021 |
ROCKY BRANCH RX |
1,033 |
73 km |
| 2015 |
UNNAMED |
1,008 |
61 km |
| 2024 |
CAVE HILL RX |
999 |
52 km |
| 2017 |
UNNAMED |
994 |
54 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
34°F (1°C) |
3.3 in |
Coldest |
| February |
38°F (3°C) |
3.1 in |
|
| March |
47°F (8°C) |
4.4 in |
|
| April |
58°F (14°C) |
4.9 in |
Wettest |
| May |
67°F (19°C) |
4.9 in |
|
| June |
75°F (24°C) |
4.1 in |
|
| July |
78°F (25°C) |
4.0 in |
Warmest |
| August |
76°F (25°C) |
2.9 in |
Driest |
| September |
70°F (21°C) |
3.4 in |
|
| October |
59°F (15°C) |
3.6 in |
|
| November |
47°F (8°C) |
3.9 in |
|
| December |
37°F (3°C) |
3.8 in |
|
Waverly has a seasonal temperature swing of 44°F / from 34°F in January to 78°F in July. Total annual precipitation is 46.0 inches, with April being the wettest month (4.9") and August the driest (2.9").
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) |
$226 ($135-$361) |
| Specialist Visit |
$316 ($180-$496) |
| Urgent Care Visit |
$180 ($90-$316) |
| Emergency Room Visit |
$1,984 ($722-$4,510) |
| Dental Cleaning |
$117 ($68-$180) |
| Dental Filling |
$226 ($135-$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23-$68) |
| Oil Change (Synthetic) |
$68 ($45-$108) |
| Brake Pad Replacement |
$271 ($135-$451) |
| Tire Rotation |
$36 ($18-$68) |
| New Tires (Set of 4) |
$541 ($361-$902) |
| Battery Replacement |
$180 ($90-$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54-$135) |
| Electrician (Per Hour) |
$81 ($45-$126) |
| HVAC Repair |
$361 ($135-$722) |
| HVAC System Install |
$6,314 ($3,608-$10,824) |
| Roof Repair |
$902 ($361-$1,804) |
| Roof Replacement |
$8,118 ($4,961-$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451-$3,157) |
| Divorce (Contested) |
$13,530 ($4,510-$27,060) |
| DUI Defense |
$4,510 ($1,804-$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722-$2,706) |
| Will Preparation |
$451 ($180-$902) |
| Trust Preparation |
$2,255 ($902-$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$41) |
| Women's Haircut |
$50 ($27-$90) |
| Hair Coloring (Full) |
$135 ($68-$226) |
| Manicure |
$23 ($14-$41) |
| Pedicure |
$36 ($23-$59) |
| Massage (1 Hour) |
$72 ($45-$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71-$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26-$4.51) |
| Loaf of Bread |
$3.43 ($2.26-$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71-$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61-$6.77) |
| Rice (per lb) |
$0.90 ($0.54-$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72-$226) |
| Natural Gas (Monthly) |
$63 ($27-$135) |
| Water/Sewer (Monthly) |
$63 ($36-$108) |
| Internet (Monthly) |
$63 ($36-$90) |
| Cell Phone Plan (Monthly) |
$59 ($27-$90) |
| Cable TV (Monthly) |
$77 ($45-$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68-$451) |
| Car Insurance (Annual) |
$1,804 ($1,082-$3,157) |
| Bus Pass (Monthly) |
$63 ($27-$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22-$23) |
| Car Registration (Annual) |
$90 ($27-$226) |
| Driver's License Renewal |
$27 ($14-$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541-$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451-$1,804) |
| After-School Care (Monthly) |
$361 ($180-$631) |
| Tutoring (Per Hour) |
$45 ($23-$90) |
| SAT/ACT Prep Course |
$902 ($361-$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510-$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27-$90) |
| Dog Vaccination (Annual) |
$90 ($45-$180) |
| Dog Grooming |
$54 ($27-$90) |
| Pet Boarding (Per Night) |
$36 ($18-$68) |
| Dog Spay/Neuter |
$271 ($135-$451) |
| Cat Spay/Neuter |
$180 ($90-$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $586 |
| Toddler | $554 |
| Preschool | $554 |
| Family Childcare (monthly) |
| Infant | $529 |
| Toddler | $451 |
| Preschool | $451 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Waverly
What is the population of Waverly?
Waverly has a population of 361 residents and is located in Kentucky. The population density is 1,337 people per square mile, spread across 0.3 square miles. The median age of residents is 46.5 years, which is older than the national median of 38.9 years. The population is 49% female and 51% male.
Is Waverly expensive to live in?
Waverly is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $61,250, 18% below the national average of $75,149. The median home value is $100,000 (65% below the U.S. median). Renters pay a median of $773 per month, below the national average of $1,163. The home price-to-income ratio is 1.6x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Waverly?
Waverly enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 34°F in January, while summers reach an average of 78°F in July. Annual rainfall totals 46.0 inches, with 12.4 inches of snow.
How is the job market in Waverly?
The job market in Waverly is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,175. There are 390 business establishments in the area, including 23 restaurants and food service locations. The average commute time is 27 minutes, and 2.5% of workers work from home.
How much does housing cost in Waverly?
The median home value in Waverly is $100,000. Zillow estimates the typical home value at $164,591. For renters, the median monthly rent is $773. Fair market rent is $794 for a 1-bedroom and $984 for a 2-bedroom apartment. The homeownership rate is 85.0%. The average annual property tax is $2,260.
How are the schools in Waverly?
Schools in Waverly score 5.4 out of 10 on standardized testing, near the national average. 8.4% of adults in Waverly hold a bachelor's degree or higher, below the national average of 33.7%. 92.7% have completed high school. 2.2% hold a graduate or professional degree.
How healthy is Waverly?
The obesity rate in Waverly is 34.5% (above the national rate of 32.1%). 1.4% lack health insurance (below the national rate). 69.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,515.
What is transportation like in Waverly?
The average commute in Waverly is 27 minutes. 93.6% of workers drive alone to work, and 2.5% work from home.
What are the demographics of Waverly?
The racial and ethnic makeup of Waverly is 99.2% White. 99.4% of residents speak only English at home. 21.1% of the population are military veterans. 36.0% of residents have a disability. 98.6% have health insurance coverage.