City profile · Indiana · Census ACS 2023

Waterloo, IN

Population, income, housing, safety, climate and schools for Waterloo - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

2,180
Residents
$61,375
Median income
$108,600
Median home
$960
Median rent (state)

Waterloo - the verdict

Measured against every US city with at least 1,000 residents, Waterloo lands in the 37th percentile for household income. Source: Census ACS.

37th
percentile, household income
13th
percentile, home value
11th
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Waterloo, IN

Waterloo is a small town in Indiana, home to 2,180 residents per U.S. Census Bureau ACS 2023 estimates. The typical household in Waterloo brings in $61,375 a year, below the median for U.S. cities on this measure, with a poverty rate of 16.6%. Home values in Waterloo run a median of $108,600, and the median resident age is 33.5 years. About 12.5% of adults hold a bachelor's degree or higher, while 68.2% of working-age residents are in the labor force.

The city is served by 3 public schools according to NCES Common Core of Data.

Living costs in Indiana run below the national norm: on BEA's 100-equals-national-average cost index, Indiana scores 93.3 (Below Average), per the 2024 Regional Price Parities release. HUD Fair Market Rent for a typical two-bedroom in this state is $960 per month. EIA 2023 residential energy data puts Indiana's average monthly utility costs around $235 (state average). On FEMA's National Risk Index, this area rates 41.3 out of 100 for natural-hazard exposure (Low).

Population

2,180 residents

Census ACS 2023 - Indiana

Median Household Income

$61,375 /yr

Poverty 16.6%

Cost of Living Index (state)

93.3 (US=100)

Below Average - BEA RPP 2024, Indiana average

How does Waterloo compare to other US cities?

Here's how Waterloo stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.

Household income 37% higher than other cities
Home value 13% pricier than other cities
Median rent 11% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

For each metric we count every US city with population 1,000+ and a non-null value, then compute what share of them fall below Waterloo's value: round(cities-below ÷ total × 100). Safety is inverted (percentile = share of cities with a higher crime rate) so a higher number always means safer. The in-state rank narrows that same crime-rate comparison to only the cities PlainCities tracks in Indiana, breaking ties alphabetically. See the methodology page for the full source-to-figure lineage.

37thIncome percentile

37th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Waterloo's home value compares nationally

Median home value vs. every US city (population 1,000+)

$108,600 Among the most affordable more affordable than 87% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). This entry sits in this band. $125,000–$150,000: 1,170 US cities (8%). Above this entry. $150,000–$175,000: 1,278 US cities (8%). Above this entry. $175,000–$200,000: 1,229 US cities (8%). Above this entry. $200,000–$225,000: 1,035 US cities (7%). Above this entry. $225,000–$250,000: 976 US cities (6%). Above this entry. $250,000–$275,000: 754 US cities (5%). Above this entry. $275,000–$300,000: 712 US cities (5%). Above this entry. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Waterloo $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Waterloo, IN Waterloo, IN's reported median household income shown against the U.S. national quintile-share pattern (not Waterloo, IN-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Waterloo, IN median $61,375/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Waterloo, IN's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Waterloo, IN. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 12.5%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 16.6%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 68.2%

Census ACS S2301, share of working-age residents in the labor force

Population
2,180
Median Income
$61,375
Median Home Value
$108,600
Median Age
33.5
Poverty Rate
16.6%
Labor force participation
68.2%
Bachelor's Degree+
12.5%

Schools

Total Schools
3
Public schools in this city

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
2,100 residents2,120 residents2,140 residents2,160 residents2,180 residents 202020212022202320242025 2,113 residents 2,168 residents ▲ +2.6%
Waterloo's Census PEP population estimates, 2020–2025.

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
90.3%
Carpool
2.4%
Public Transit
0.0%
Walk
0.0%
Work from Home
5.5%
Other
1.8%

Based on 1,159 workers 16 and over.

Monthly Utility Costs

State-average estimates for Indiana - EIA 2023 residential energy data

Electricity
$110
avg/month
Natural Gas
$80
avg/month
Water & Sewer
$45
avg/month
Total Utilities
$235
estimated/month

Estimates reflect Indiana state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Indiana state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Waterloo sits in

Cost of Living Index
93.3
Below Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$960/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
41.3 / 100
Low
FEMA NRI composite score (county)

Similar Cities in Indiana

Fremont
2,177 people
Orleans
2,191 people
Middletown
2,163 people
Burns Harbor
2,198 people
Knightstown
2,154 people
Cloverdale
2,219 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Waterloo's 2,180 residents (Census ACS 5-Year 2023).

South Roxana, IL
2,180 people
Solomons, MD
2,180 people
Collins, MS
2,180 people
Bellerose Terrace, NY
2,180 people
Utica, OH
2,180 people
Chuluota, FL
2,179 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Waterloo's $61,375 (Census ACS 5-Year 2023, table B19013).

Rosendale, NY
$61,375 median income
Kasilof, AK
$61,377 median income
Canadian, TX
$61,384 median income
Elkton, VA
$61,385 median income
New Beaver, PA
$61,364 median income
Woodstock, VA
$61,364 median income

Race & Ethnicity Composition

Race and ethnicity - Waterloo, IN Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Waterloo, IN - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 91.2% 6.8% ETHNICITY, Hispanic or Latino (any race) 3.4% White 91.2% Black or African American 0.1% Asian 0.2% American Indian 0.0% Native Hawaiian 0.0% Some other race 1.7% Two or more races 6.8% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Waterloo compares to nearby Indiana cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Waterloo (this city) 2,180 $61,375
Fremont 2,177 $61,953
Orleans 2,191 $64,504
Middletown 2,163 $55,833
Census ACS 5-year FIPS IN NCES CCD OMB Bulletin 23-01

What do people ask about Waterloo, IN?

What is the population of Waterloo, IN? +

Waterloo, IN counts 2,180 residents according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Waterloo, IN? +

In Waterloo, the typical household earns $61,375 per year, based on Census ACS 2023 data.

What is the cost of living in Waterloo? +

BEA does not publish a city-level cost-of-living figure for Waterloo; the closest available measure is the Indiana state average, a cost of living index of 93.3 (U.S. average = 100), rated "Below Average" based on BEA Regional Price Parities 2024 data. Costs within Indiana vary by metro area.

What is the median home value in Waterloo, IN? +

A typical home in Waterloo is worth $108,600, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, NCES CCD, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities Editorial

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.