Waterloo, CA demographics:
population, income, and more

Total population
894
0.9% year-over-year change
Median household income
$221,850/yr
-11.3% year-over-year change
Housing units
343
-0.6% year-over-year change

Waterloo population

How many people live in Waterloo

Waterloo is home to 894 residents, according to the most recent Census data. Gender-wise, 49.8% of Waterloo locals are male, and 50.2% are female.

Total population
894
0.9% year-over-year change
Gender ratio
Male
49.8%
445
Female
50.2%
449
Value Percent YoY change
Male 445 49.8% 9.3%
Female 449 50.2% -6.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Waterloo is 40, with the population distributed as follows: about 12% are children under 15, then 17.6% are in the 15 to 24 age group. Adults between 25 and 44 make up 22.4% of the population, while another 36.5% fall into the 45 to 64 bracket. Finally, around 11.6% are 65 or older.

Median age
40.5
Age breakdown
Under 15
12%
15 to 24
17.6%
25 to 44
22.4%
45 to 64
36.5%
Over 65
11.6%
Value Percent YoY change
Under 15 107 12% 2.9%
15 to 24 157 17.6% 10.6%
25 to 44 200 22.4% 32.5%
45 to 64 326 36.5% 7.2%
Over 65 104 11.6% -43.8%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Waterloo, 92.8% of the population are US-born citizens, while 1.8% have gained naturalized citizenship. At the same time, 5.4% of residents are non-citizens. There’s also a share of 8% that includes residents with two or more races.

Citizenship
U.S.-born citizens
92.8%
Non-U.S.-born citizens
1.8%
Non-citizens
5.4%
Value Percent YoY change
U.S.-born citizens 830 92.8% 0.1%
Non-U.S.-born citizens 16 1.8% 60.0%
Non-citizens 48 5.4% 2.1%
Racial breakdown
White
88.7%
Black or African American
0%
American Indian and Alaska Native
0%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
8%
Other
3.2%
Value Percent
White 793 88.7%
Two or more races 72 8%
Other 29 3.2%

Households in Waterloo

A peek inside Waterloo households

Waterloo has 343 households, with an average of 3 members in each. Of these, 95.6% are families, while the remaining 4.4% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
343
-0.6% year-over-year change
Average people per household
3
Non-family households
15
Family households
328
Value Percent YoY change
Non-family households 15 4.4% -46.4%
Family households 328 95.6% 3.5%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Waterloo

The housing landscape of Waterloo

Waterloo's housing consists of 343 units, with 95% being detached single-family homes ideal for those wanting space. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 5% of the housing landscape.

Housing units
343
-0.6% year-over-year change
Housing types
Value Percent
1 unit, detached 326 95%
Mobile home 17 5%
Homes built since 2020
0
% year-over-year change

The age of buildings in Waterloo

In Waterloo, the median construction year is 1956. About 26.2% of homes were built before the 1940s, with another 11.7% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 90 26.2% -4.3%
Built between 1940 and 1949 40 11.7% 14.3%
Built between 1950 and 1959 70 20.4% -1.4%
Built between 1960 and 1969 76 22.2% 8.6%
Built between 1970 and 1979 40 11.7% 42.9%
Built between 1980 and 1989 7 2% -22.2%
Built between 1990 and 1999 20 5.8% 100.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Waterloo occupancy rates

Out of the 343 occupied housing units in Waterloo, 35.9% are owner-occupied, while 64.1% are lived in by tenants.

Occupied housing units
343
-0.6% year-over-year change
Occupancy breakdown
Renter occupied
220
Owner occupied
123
Value Percent YoY
change
Renter occupied 220 64.1% 3.8%
Owner occupied 123 35.9% -7.5%
Unoccupied housing units
0.0%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Waterloo housing costs

Housing costs in Waterloo come to a median of $2,534 per month, while tenants specifically pay a median gross rent of $2,346.

Median housing costs per month
$2,534/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Waterloo
$2,346/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Waterloo

Waterloo education at a glance

About 30.3% of the population in Waterloo went to high school, while 23.3% pursued college studies. Another 25.4% earned an associate degree and 12.5% hold a bachelor’s. Meanwhile, 3.8% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 37 4.7% 0.0%
High school diploma 238 30.3% 18.4%
College diploma 183 23.3% 1.7%
Associate degree 200 25.4% 11.7%
Bachelor's degree 98 12.5% -19.0%
Graduate degree 30 3.8% -44.4%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Waterloo

How much people earn in Waterloo

The average annual household income in Waterloo was $190,450 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -4.4% change from the previous year. At the same time, the median income stood at $221,850, reflecting a -11.3% shift over the same period.

Average household income in Waterloo
$190,450/year
-4.4% year-over-year change
Median household income in Waterloo
$221,850/year
-11.3% year-over-year change

Waterloo income by age

In Waterloo, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $61,115. Those with someone between 45 and 64 in charge, often well established professionally, earn $250,001 overall. Overall, 94.4% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $61,115 4.4%
45 - 64 $250,001 0.0%
Above poverty level
822
Below poverty level
49
Value Percent YoY
change
Above poverty level 822 94.4% -1.7%
Below poverty level 49 5.6% -2.0%

Employment in Waterloo

Workforce and job types in Waterloo

The job market in Waterloo is powered by 645 working residents, spread across a range of industries and roles. 76.7% of the working population are employed in professional or administrative positions, while 23.3% are in hands-on or service-based jobs. Also, 14.9% run their own businesses, 73.3% are employed by private companies, and 11.6% work in the public sector.

Workforce demographics

Working population
645
8.4% year-over-year change
White collar
495
Blue collar
150
Value Percent YoY change
White collar 495 76.7% -2.8%
Blue collar 150 23.3% 74.4%
Employer type
Self employees
14.9%
Private companies
73.3%
Governmental workers
11.6%
Not for profit companies
0.2%
Value Percent YoY change
Self employees 96 14.9% -4.0%
Private companies 473 73.3% 11.3%
Governmental workers 75 11.6% 11.9%
Not for profit companies 1 0.2% -66.7%

Transportation in Waterloo

How people get around in Waterloo

Means of transportation
Value Percent YoY change
Car 539 83.7% 13.9%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

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FAQs about Waterloo demographics 

What is the total population of Waterloo?

Waterloo has a total population of 894 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.9% compared to a year ago.

What is the gender ratio in Waterloo?

The gender ratio in Waterloo is as follows:
  • 49.8% males (445 residents)
  • 50.2% females (449 residents)

What is the median age in Waterloo?

The median age in Waterloo is 40.5.

What is the age distribution of the population in Waterloo?

The age distribution in Waterloo is as follows:
  • Under 15: 12% (107 residents)
  • Ages 15-24: 17.6% (157 residents)
  • Ages 25-44: 22.4% (200 residents)
  • Ages 45-64: 36.5% (326 residents)
  • Over 65: 11.6% (104 residents)

What is the racial and ethnic makeup of Waterloo?

The racial and ethnic makeup of Waterloo is as follows:
  • White: 88.7% (793 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 8% (72 residents)
  • Other: 3.2% (29 residents)

What percentage of the population in Waterloo are U.S.-born citizens?

U.S.-born citizens represent 92.8% of the population in Waterloo.

How many housing units are there in Waterloo?

There are 343 housing units in Waterloo, reflecting a -0.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Waterloo and what is the average household size?

Waterloo has a total of 343 households, with an average of 3 people in each.

What is the median household income in Waterloo?

Waterloo has a median household income of $221,850, representing a -11.3% shift from the previous year, according to the U.S. Census Bureau.

What is the job market overview for Waterloo?

Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 76.7% (495 residents)
  • Blue-collar workers: 23.3% (150 residents)

Places of employment:
  • Self-employed: 14.9% (96 residents)
  • Private companies: 73.3% (473 residents)
  • Governmental workers: 11.6% (75 residents)
  • Not-for-profit companies: 0.2% (1 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025