Waterloo, OH demographics:
population, income, and more

Total population
210
2.9% year-over-year change
Median household income
$/yr
% year-over-year change
Housing units
137
-17.5% year-over-year change

Waterloo population

How many people live in Waterloo

Waterloo is home to 210 residents, according to the most recent Census data. Gender-wise, 55.2% of Waterloo locals are male, and 44.8% are female.

Total population
210
2.9% year-over-year change
Gender ratio
Male
55.2%
116
Female
44.8%
94
Value Percent YoY change
Male 116 55.2% 22.1%
Female 94 44.8% -13.8%
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 33, with the population distributed as follows: about 28.6% are children under 15, then 9% are in the 15 to 24 age group. Adults between 25 and 44 make up 27.1% of the population, while another 27.1% fall into the 45 to 64 bracket. Finally, around 8.1% are 65 or older.

Median age
32.8
Age breakdown
Under 15
28.6%
15 to 24
9%
25 to 44
27.1%
45 to 64
27.1%
Over 65
8.1%
Value Percent YoY change
Under 15 60 28.6% 81.8%
15 to 24 19 9% 90.0%
25 to 44 57 27.1% -9.5%
45 to 64 57 27.1% -14.9%
Over 65 17 8.1% -45.2%
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

There’s also a share of 2.4% that includes residents with two or more races.

Citizenship
U.S.-born citizens
100%
Non-U.S.-born citizens
0%
Non-citizens
0%
Value Percent YoY change
U.S.-born citizens 210 100% 2.9%
Racial breakdown
White
97.6%
Black or African American
0%
American Indian and Alaska Native
0%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
2.4%
Other
0%
Value Percent
White 205 97.6%
Two or more races 5 2.4%

Households in Waterloo

A peek inside Waterloo households

Waterloo has 77 households, with an average of 3 members in each. Of these, 68.8% are families, while the remaining 31.2% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
77
-23.0% year-over-year change
Average people per household
3
Non-family households
24
Family households
53
Value Percent YoY change
Non-family households 24 31.2% -40.0%
Family households 53 68.8% -11.7%
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 137 units, with 63.5% 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 36.5% of the housing landscape.

Housing units
137
-17.5% year-over-year change
Housing types
Value Percent
1 unit, detached 87 63.5%
Mobile home 50 36.5%
Homes built since 2020
% year-over-year change

The age of buildings in Waterloo

In Waterloo, the median construction year is 1981. 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 13 9.5% -23.5%
Built between 1950 and 1959 5 3.6% -28.6%
Built between 1960 and 1969 17 12.4% N/A
Built between 1970 and 1979 31 22.6% -22.5%
Built between 1980 and 1989 21 15.3% -4.5%
Built between 1990 and 1999 8 5.8% -73.3%
Built between 2000 and 2009 16 11.7% -33.3%
Built between 2010 and 2019 26 19% 0.0%
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 77 occupied housing units in Waterloo, 83.1% are owner-occupied, while 16.9% are lived in by tenants. Meanwhile, 43.8% of all homes on the local market sit vacant.

Occupied housing units
77
-23.0% year-over-year change
Occupancy breakdown
Renter occupied
13
Owner occupied
64
Value Percent YoY
change
Renter occupied 13 16.9% -59.4%
Owner occupied 64 83.1% -5.9%
Unoccupied housing units
43.8%
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

Median housing costs per month
$616/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.

Education in Waterloo

Waterloo education at a glance

About 44.3% of the population in Waterloo went to high school, while 30.5% pursued college studies. Meanwhile, 8.4% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
High school diploma 58 44.3% -21.6%
College diploma 40 30.5% 14.3%
Associate degree 22 16.8% -24.1%
Graduate degree 11 8.4% 175.0%
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 $54,175 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +15.2% change from the previous year.

Average household income in Waterloo
$54,175/year
15.2% 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 $91,786. Overall, 68.6% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $91,786 -11.4%
Above poverty level
144
Below poverty level
66
Value Percent YoY
change
Above poverty level 144 68.6% -12.2%
Below poverty level 66 31.4% 65.0%

Employment in Waterloo

Workforce and job types in Waterloo

68.1% of the working population are employed in professional or administrative positions, while 31.9% are in hands-on or service-based jobs.

Workforce demographics

White collar
49
Blue collar
23
Value Percent YoY change
White collar 49 68.1% 36.1%
Blue collar 23 31.9% -34.3%
Employer type
Self employees
26.4%
Private companies
65.3%
Governmental workers
0%
Not for profit companies
8.3%
Value Percent YoY change
Self employees 19 26.4% -26.9%
Private companies 47 65.3% 4.4%
Not for profit companies 6 8.3% N/A

Transportation in Waterloo

How people get around in Waterloo

In Waterloo, the average commute time is 45 minutes.

Commute time
45 min
21.6% year-over-year change
Means of transportation
Value Percent YoY change
Car 55 100% -3.5%
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.

What is the median and average household income in Waterloo by zipcode?

Zipcode Population Number of households Median income Average income
45688 210 77 $0 $54,175

Explore more communities

FAQs about Waterloo demographics 

What is the total population of Waterloo?

Waterloo has a total population of 210 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 +2.9% compared to a year ago.

What is the gender ratio in Waterloo?

The gender ratio in Waterloo is as follows:
  • 55.2% males (116 residents)
  • 44.8% females (94 residents)

What is the median age in Waterloo?

The median age in Waterloo is 32.8.

What is the age distribution of the population in Waterloo?

The age distribution in Waterloo is as follows:
  • Under 15: 28.6% (60 residents)
  • Ages 15-24: 9% (19 residents)
  • Ages 25-44: 27.1% (57 residents)
  • Ages 45-64: 27.1% (57 residents)
  • Over 65: 8.1% (17 residents)

What is the racial and ethnic makeup of Waterloo?

The racial and ethnic makeup of Waterloo is as follows:
  • White: 97.6% (205 residents)
  • Black or African American: 0% ( residents)
  • American Indian and Alaska Native: 0% ( residents)
  • Asian: 0% ( residents)
  • Native Hawaiian and Other Pacific Islander: 0% ( residents)
  • Two or More Races: 2.4% (5 residents)
  • Other: 0% ( residents)

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

U.S.-born citizens represent 100% of the population in Waterloo.

How many housing units are there in Waterloo?

There are 137 housing units in Waterloo, reflecting a -17.5% 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 77 households, with an average of 3 people in each.

What is the job market overview for Waterloo?

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

Job types:
  • White-collar workers: 68.1% (49 residents)
  • Blue-collar workers: 31.9% (23 residents)

Places of employment:
  • Self-employed: 26.4% (19 residents)
  • Private companies: 65.3% (47 residents)
  • Governmental workers: 0% ( residents)
  • Not-for-profit companies: 8.3% (6 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