Town · New York
Town of Waterloo, New York
Waterloo (town), town, in Seneca County, New York. Waterloo (town) had 7,213 residents on July 1, 2025 by the Census Bureau's estimate, down 2.4% since 2020; the 2020 Census counted 7,378 and the ACS 2020-2024 5-year estimates put it at 7,324 (±29). GEOID 3609978564.
Residents, July 2025 estimate
7,213
Census Bureau estimate (no margin published)
2020 Census count: 7,378 · ACS 2020-2024: 7,324 ±29
Median household income
$63,226
±$10,813 (90% margin)
New York: $85,974
Median home value
$117,500
±$7,999 (90% margin)
New York: $423,800
Median gross rent
$922
±$39 (90% margin)
New York: $1,621
Where is Waterloo (town) and what county is it in?
Waterloo (town) is a town in Seneca County, New York. It covers 21.7 square miles of land, 341 residents per square mile in 2020.
One place lies inside the Town of Waterloo: Waterloo (village, 4,810 in 2020).
Waterloo (town) is in the Seneca Falls, NY micropolitan statistical area (Census Bureau delineation, July 2023).
Source: 2024 Gazetteer and 2020 place-by-county files, U.S. Census Bureau · Census reference files
How many people live in Waterloo (town), and is it growing?
The Census Bureau estimates that 7,213 people lived in Waterloo (town) on July 1, 2025, down 2.4% since 2020, a steeper fall than New York's (−1.0%). The 2020 Census counted 7,378 residents. The 2020-2024 American Community Survey, a five-year sample, puts the population at 7,324 (±29).
| Measure | Waterloo (town) | Seneca County | Change since 2015-2019 |
|---|---|---|---|
| Total population | 7,324±29 | 32,920 | −64 |
| Households | 3,394±203 | 13,606 | +293 |
| Average household size | 2.08±0.12 | 2.28 | −0.21 |
| Housing units | 3,701±203 | 16,194 | no clear change |
Waterloo (town)'s population since 2000
From 7,866 in 2000 to 7,213 in 2025: down 8.3%. The 2000, 2010 and 2020 figures are census counts, each for Waterloo (town) as it was drawn that year: a place that annexed land, or a community that has since incorporated, covered a different area then. The 2005 figure is the Census Bureau's intercensal estimate, revised to fit the 2000 and 2010 counts and drawn on 2010 boundaries; 2015 and 2025 are July 1 estimates made from the census before them.
Source: The 2000, 2010 and 2020 Census counts and the Census Bureau's population estimates (intercensal 2000-2010, Vintage 2020, Vintage 2025) · Census population estimates
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); Census PEP Vintage 2025 (SUB-EST2025, CO-EST2025); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Waterloo (town)?
The median resident of Waterloo (town) is 45.4 years old; 17.8% are under 18 and 25.9% are 65 or older. The largest group is non-Hispanic white residents at 86.1%, then Hispanic or Latino residents (of any race) at 7.5%. 4.6% of residents were born outside the United States.
| Measure | Waterloo (town) | Seneca County | Change since 2015-2019 |
|---|---|---|---|
| Median age | 45.4±3.1 | 43.0 | no clear change |
| Under 18 years | 17.8%±3.0 pts | 20.3% | – |
| 65 years and over | 25.9%±3.5 pts | 21.6% | – |
| Male | 51.5%±2.5 pts | 51.6% | – |
| Hispanic or Latino (any race) | 7.5%±2.7 pts | 4.4% | +5.2 pts |
| White alone, not Hispanic | 86.1%±3.0 pts | 87.3% | −6.3 pts |
| Black or African American alone, not Hispanic | 1.3%±0.7 pts | 3.5% | – |
| Asian alone, not Hispanic | 0.1%±0.2 pts | 0.6% | – |
| American Indian and Alaska Native alone, not Hispanic | 0.0%±0.6 pts | 0.1% | – |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0%±0.6 pts | 0.0% | – |
| Two or more races, not Hispanic | 4.4%±1.8 pts | 3.5% | – |
| Some other race alone, not Hispanic | 0.5%±0.6 pts | 0.7% | – |
| Born outside the United States | 4.6%±2.8 pts | 3.0% | +3.5 pts |
| Speak a language other than English at home (age 5+) | 9.5%±3.5 pts | 7.7% | – |
| Civilian veterans (age 18+) | 11.8%±3.2 pts | 7.7% | – |
| With a disability | 22.2%±4.1 pts | 17.1% | – |
| No health insurance coverage | 3.5%±1.8 pts | 9.0% | no clear change |
| High school graduate or higher (age 25+) | 93.0%±2.5 pts | 84.7% | – |
| Bachelor's degree or higher (age 25+) | 21.8%±4.6 pts | 25.2% | no clear change |
| Graduate or professional degree (age 25+) | 8.5%±3.0 pts | 9.5% | – |
| Lived in the same house a year earlier | 87.6%±3.7 pts | 88.7% | – |
| Moved from another state in the past year | 0.2%±0.2 pts | 0.9% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Waterloo (town) earn?
Half of Waterloo (town)'s 3,394 households earn less than $63,226 a year (±$10,813), against $68,089 in Seneca County and $85,974 in New York. In 2015-2019 it was $67,540 in 2024 dollars; the margins of error cannot tell the two periods apart. 10.6% of residents live below the poverty line.
| Measure | Waterloo (town) | Seneca County | Change since 2015-2019 |
|---|---|---|---|
| Median household income | $63,226±$10,813 | $68,089 | no clear change |
| Mean household income | $77,409±$8,588 | $89,874 | – |
| Per capita income | $36,717±$3,664 | $37,704 | no clear change |
| People below the poverty line | 10.6%±3.5 pts | 13.5% | no clear change |
| Children under 18 below the poverty line | 12.8%±9.9 pts | 17.6% | – |
| Households receiving SNAP | 14.4%±4.8 pts | 12.0% | – |
| Households with a computer | 90.2%±4.1 pts | 91.5% | – |
| Households with a broadband subscription | 87.2%±5.5 pts | 86.4% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Waterloo (town)?
Owners occupy 65.7% of Waterloo (town)'s occupied homes and renters 34.3%. The median owner-occupied home is valued at $117,500 by its owner (±$7,999). The median renter pays $922 a month including utilities, and 35.2% of renters pay 35% or more of their income on rent.
| Measure | Waterloo (town) | Seneca County | Change since 2015-2019 |
|---|---|---|---|
| Median home value (owner-occupied) | $117,500±$7,999 | $155,400 | +$18,183 |
| Median gross rent | $922±$39 | $957 | no clear change |
| Renters paying 35% or more of income on rent | 35.2%±10.6 pts | 37.4% | no clear change |
| Median monthly owner costs, with a mortgage | $1,293±$121 | $1,418 | – |
| Owner-occupied homes | 65.7%±5.9 pts | 71.0% | no clear change |
| Renter-occupied homes | 34.3%±5.9 pts | 29.0% | – |
| Housing units | 3,701±203 | 16,194 | no clear change |
| Homeowner vacancy rate | 0.0%±1.9 pts | 0.1% | – |
| Rental vacancy rate | 7.3%±4.7 pts | 4.3% | – |
| Single-family detached homes | 61.6%±6.0 pts | 70.0% | – |
| Mobile homes | 12.1%±3.6 pts | 9.9% | – |
| Built 2020 or later | 0.4%±0.7 pts | 0.5% | – |
| Built 2010 to 2019 | 1.9%±1.3 pts | 4.3% | – |
| Built 1939 or earlier | 38.2%±5.3 pts | 35.6% | – |
| Households with no vehicle | 8.9%±4.0 pts | 8.8% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Waterloo (town) work and get to work?
76.0% of Waterloo (town)'s workers drive alone and 10.4% work from home. The average trip to work takes 21.8 minutes. The unemployment rate in 2020-2024 averaged 7.5%.
| Measure | Waterloo (town) | Seneca County | Change since 2015-2019 |
|---|---|---|---|
| In the labor force (age 16+) | 58.5%±4.9 pts | 56.2% | – |
| Unemployment rate | 7.5%±3.4 pts | 4.5% | no clear change |
| Drove alone to work | 76.0%±7.0 pts | 76.0% | – |
| Carpooled | 8.8%±4.1 pts | 9.0% | – |
| Public transportation | 0.0%±1.4 pts | 0.2% | – |
| Walked | 1.6%±1.3 pts | 3.4% | – |
| Worked from home | 10.4%±5.2 pts | 8.6% | +7.7 pts |
| Mean travel time to work | 21.8 min±3.6 | 21.3 min | no clear change |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What census tracts are in Waterloo (town)?
2 census tracts lie mostly in Waterloo (town) (2020 census blocks). Their median household incomes run from $49,527 (Tract 9505) to $69,279 (Tract 9506).
| Tract | Residents, 2020-2024 | Median household income |
|---|---|---|
| Tract 9506Seneca County | 3,777 | $69,279 |
| Tract 9505Seneca County | 3,547 | $49,527 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 block assignment files (tract share = share of the tract's census blocks in Waterloo (town)) · Census block assignment files
How does Waterloo (town) compare with other places in New York?
By the Census Bureau's July 2025 estimates, Waterloo (town) is the 1,683rd-most populous of the 16,079 U.S. towns and townships that have one and the 205th-most populous of 924 in New York.
Waterloo (town) ranks 1,298th of 1,623 places in New York with 1,000 or more residents and a reliable estimate, by median household income.
| Measure | Rank | Of |
|---|---|---|
| Population, July 2025 estimate | 205th | 924 |
| Growth 2020-2025 (PEP) | 917th | 1,225 |
| Residents per square mile | 935th | 1,657 |
| Median household income | 1,298th | 1,623 |
| Per capita income | 1,144th | 1,653 |
| Median home value | 1,491st | 1,637 |
| Median gross rent | 1,051st | 1,515 |
| Poverty rate | 606th | 1,331 |
| Bachelor's degree or higher | 1,273rd | 1,640 |
| Median age | 608th | 1,654 |
| Owner-occupied share | 1,287th | 1,639 |
| Work from home | 868th | 1,350 |
| Travel time to work | 1,212th | 1,652 |
Waterloo (town)'s figures with every place in New York (CSV)
Every place in New York, sortable · Compare Waterloo (town) with other places
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) and PEP Vintage 2025 · How ranks are computed
How reliable are the figures for Waterloo (town)?
11 of the 57 figures for Waterloo (town) on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
The American Community Survey samples about one household in eight over five years, so every figure is an estimate with a 90% margin of error (shown under each value). A ring marks an estimate whose coefficient of variation is over 40%. A change is called only when the gap between the two periods is larger than their combined 90% margin (the square root of the sum of the two squared margins), the Census Bureau's test. How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · ACS technical documentation
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections
Not on this page: crime, weather and schools for Waterloo (town) are other agencies' records. Crime: the FBI's Crime Data Explorer · climate: NOAA's U.S. Climate Normals · schools: the National Center for Education Statistics' school search.