Waterloo, IL
Demographics And Statistics

Demographics | Cost Of Living
Updated: 2025-10-25

Living In Waterloo, Illinois Summary

Life in Waterloo research summary. HomeSnacks has been using Saturday Night Science to research the quality of life in Waterloo over the past nine years using Census, FBI, Zillow, and other primary data sources. Based on the most recently available data, we found the following about life in Waterloo:

  • The population in Waterloo is 11,055.

  • The median home value in Waterloo is $329,678.

  • The median income in Waterloo is $92,005.

  • The cost of living in Waterloo is 94 which is 0.9x lower than the national average.

  • The median rent in Waterloo is $873.

  • The unemployment rate in Waterloo is 3.4%.

  • The poverty rate in Waterloo is 5.5%.

  • The average high in Waterloo is 65.7° and the average low is 46.3°.

Waterloo SnackAbility

6
Overall SnackAbility
Jobs
8.5/10
Housing
7
Affordability
8.5
Diversity
4
Safety
N/A
Amenities
8
Education
8.5
Commute
6

Waterloo, IL Cost Of Living

Cost of living in Waterloo summary. We use data on the cost of living to determine how expensive it is to live in Waterloo. Real estate prices drive most of the variance in cost of living around Illinois. Key points include:

  • The cost of living in Waterloo is 94 with 100 being average.

  • The cost of living in Waterloo is 0.9x lower than the national average.

  • The median home value in Waterloo is $329,678.

  • The median income in Waterloo is $92,005.

94
Waterloo's Overall Cost Of Living
0.9x
Lower Than The National Average

Cost Of Living In Waterloo Comparison Table

Living Expense Waterloo Illinois National Average
Overall 94 97 100
Services 94 95 100
Groceries 98 99 100
Health 90 93 100
Housing 104 95 100
Transportation 96 102 100
Utilities 103 91 100

Waterloo, IL Weather

  • The average high in Waterloo is 65.7° and the average low is 46.3°.

  • There are 65.2 days of precipitation each year.

  • Expect an average of 42.9 inches of precipitation each year with 11.7 inches of snow.

StatWaterloo
Average Annual High65.7
Average Annual Low46.3
Annual Precipitation Days65.2
Average Annual Precipitation42.9
Average Annual Snowfall11.7
65.7°
Average High
65.2
Days of Rain

Waterloo, IL Photos

Porta
Source: Wikipedia | GFDL
Greaterstl
Source: Public Domain

Rankings for Waterloo in Illinois

Locations Around Waterloo

Map Of Waterloo, IL

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Waterloo Demographics And Statistics

Population over time in Waterloo

The current population in Waterloo is 11,055. The population has increased 14.7% from 2010.

Year Population % Change
2023 11,055 0.4%
2022 11,012 1.0%
2021 10,906 4.7%
2020 10,417 0.5%
2019 10,367 1.0%
2018 10,268 0.6%
2017 10,202 0.0%
2016 10,197 0.5%
2015 10,151 0.5%
2014 10,102 0.9%
2013 10,015 1.9%
2012 9,826 0.8%
2011 9,749 1.1%
2010 9,640 -

Race / Ethnicity in Waterloo

White
95.4% (10,549)
African American
0.8% (90)
American Indian
0.1% (16)
Asian
1.1% (123)
Hawaiian
0.0% (0)
Other
0.0% (0)
Two Or More
0.8% (85)
Hispanic
1.7% (192)

Waterloo is:

  • 95.4% White with 10,549 White residents.

  • 0.8% African American with 90 African American residents.

  • 0.1% American Indian with 16 American Indian residents.

  • 1.1% Asian with 123 Asian residents.

  • 0.0% Hawaiian with 0 Hawaiian residents.

  • 0.0% Other with 0 Other residents.

  • 0.8% Two Or More with 85 Two Or More residents.

  • 1.7% Hispanic with 192 Hispanic residents.

Race Waterloo IL USA
White 95.4% 58.7% 58.2%
African American 0.8% 13.6% 12.0%
American Indian 0.1% 0.1% 0.5%
Asian 1.1% 5.8% 5.7%
Hawaiian 0.0% 0.0% 0.2%
Other 0.0% 0.3% 0.5%
Two Or More 0.8% 3.0% 3.9%
Hispanic 1.7% 18.5% 19.0%

Gender in Waterloo

Female
50.8% (5,612)
Male
49.2% (5,442)
  • Waterloo is 50.8% female with 5,612 female residents.

  • Waterloo is 49.2% male with 5,442 male residents.

Gender Waterloo IL USA
Female 50.8% 50.6% 50.5%
Male 49.2% 49.4% 49.5%

Highest level of educational attainment in Waterloo for adults over 25

  • 0.0% of adults in Waterloo completed < 9th grade.

  • 3.0% of adults in Waterloo completed 9-12th grade.

  • 22.0% of adults in Waterloo completed high school / ged.

  • 28.0% of adults in Waterloo completed some college.

  • 10.0% of adults in Waterloo completed associate's degree.

  • 24.0% of adults in Waterloo completed bachelor's degree.

  • 9.0% of adults in Waterloo completed master's degree.

  • 2.0% of adults in Waterloo completed professional degree.

  • 2.0% of adults in Waterloo completed doctorate degree.

< 9th Grade
0.0% (0)
9-12th Grade
3.0% (331)
High School / GED
22.0% (2,432)
Some College
28.0% (3,095)
Associate's Degree
10.0% (1,105)
Bachelor's Degree
24.0% (2,653)
Master's Degree
9.0% (994)
Professional Degree
2.0% (221)
Doctorate Degree
2.0% (221)
Education Waterloo IL USA
< 9th Grade 0.0% 5.0% 5.0%
9-12th Grade 3.0% 5.0% 6.0%
High School / GED 22.0% 25.0% 26.0%
Some College 28.0% 20.0% 19.0%
Associate's Degree 10.0% 8.0% 9.0%
Bachelor's Degree 24.0% 22.0% 21.0%
Master's Degree 9.0% 11.0% 10.0%
Professional Degree 2.0% 2.0% 2.0%
Doctorate Degree 2.0% 2.0% 2.0%

Household Income For Waterloo, Illinois

  • 2.5% of households in Waterloo earn Less than $10,000.

  • 3.4% of households in Waterloo earn $10,000 to $14,999.

  • 6.3% of households in Waterloo earn $15,000 to $24,999.

  • 5.9% of households in Waterloo earn $25,000 to $34,999.

  • 6.6% of households in Waterloo earn $35,000 to $49,999.

  • 15.3% of households in Waterloo earn $50,000 to $74,999.

  • 13.8% of households in Waterloo earn $75,000 to $99,999.

  • 20.1% of households in Waterloo earn $100,000 to $149,999.

  • 17.5% of households in Waterloo earn $150,000 to $199,999.

  • 8.6% of households in Waterloo earn $200,000 or more.

Less than $10,000
2.5% (27,920)
$10,000 to $14,999
3.4% (37,981)
$15,000 to $24,999
6.3% (69,926)
$25,000 to $34,999
5.9% (65,147)
$35,000 to $49,999
6.6% (73,196)
$50,000 to $74,999
15.3% (168,780)
$75,000 to $99,999
13.8% (152,682)
$100,000 to $149,999
20.1% (221,854)
$150,000 to $199,999
17.5% (193,179)
$200,000 or more
8.6% (94,829)
Income Waterloo IL USA
Less than $10,000 2.5% 5.2% 4.9%
$10,000 to $14,999 3.4% 3.4% 3.6%
$15,000 to $24,999 6.3% 6.2% 6.6%
$25,000 to $34,999 5.9% 6.5% 6.8%
$35,000 to $49,999 6.6% 9.9% 10.4%
$50,000 to $74,999 15.3% 15.1% 15.7%
$75,000 to $99,999 13.8% 12.7% 12.7%
$100,000 to $149,999 20.1% 17.9% 17.4%
$150,000 to $199,999 17.5% 9.9% 9.3%
$200,000 or more 8.6% 13.1% 12.6%

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