Housing data for the Town of Waterloo, NY
The Town of Waterloo, NY has an estimated 7,324 residents and 3,701 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Seneca County.
34.3% of households rent.
The median gross rent is $922 a month.
Its population shrank measurably since 2015–2019 (−0.9%).
Figures last updated on .
- Residents
- 7,324 (±29)
- Housing units
- 3,701 (±203)
- Households that rent
- 34.3%
- Median gross rent
- $922
- Residents since 2015–2019
- −0.9%
What stands out in the Town of Waterloo
Homes heated by fuel oil: 4.9% (±2.6 points) in the Town of Waterloo, lower than in Seneca County (10.1%).
Median home value: $117,500 (±$7,999) in the Town of Waterloo, lower than in Seneca County ($155,400).
Housing in the Town of Waterloo at a glance
- Median rent: $922 median gross rent a month
- Rent by bedrooms: $950 median gross rent, 2 bedrooms
- Rent burden: 47.6% of renters pay 30% or more of income
- Renters and owners: 34.3% of households rent
- Income and affordability: $63,226 median household income
- Home values: $117,500 median home value
- Homeowner costs: $1,293 median monthly cost with a mortgage
- Property taxes: $3,396 median real estate taxes a year
- Types of homes: 7.5% of homes are in buildings of 5 or more units
- Bedrooms: 53.6% of homes have 3 or more bedrooms
- Age of homes: 70.4% of homes were built before 1980
- Vacancy rate: 7.3% rental vacancy rate
- Heating fuel: 64.8% heat with utility gas
- Commute and cars: 21.8 minutes average trip to work
- Growth: −0.9% residents since 2015–2019
- How long people stay: 15.5% moved in since 2020
- Crowding and facilities: 0.9% of homes have more than 1 person per room
The Town of Waterloo against Seneca County, its state and the nation
| Town of Waterloo | Seneca County | New York | United States | |
|---|---|---|---|---|
| Residents | 7,324 (±29) | 32,920 (exact) | 19,852,366 (exact) | 334,922,499 |
| Housing units | 3,701 (±203) | 16,194 (±55) | 8,585,241 (±652) | 143,775,355 |
| Households that rent | 34.3% (±5.9 points) | 29.0% (±2.5 points) | 45.7% (±0.2 points) | 34.8% |
| Median gross rent | $922 (±$39) | $957 (±$29) | $1,621 (±$7) | $1,413 |
| Median household income | $63,226 (±$10,813) | $68,089 (±$2,709) | $85,974 (±$402) | $80,734 |
| Median home value | $117,500 (±$7,999) | $155,400 (±$6,917) | $423,800 (±$1,627) | $332,700 |
| Median real estate taxes (a year) | $3,396 (±$172) | $3,403 (±$156) | $6,582 (±$21) | $3,119 |
| Built before 1980 | 70.4% (±8.3 points) | 68.8% (±3.4 points) | 73.9% (±0.2 points) | 49.7% |
| Average commute | 21.8 minutes (±3.6) | 21.3 minutes (±1.2) | 32.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 87.2% (±5.5 points) | 86.4% (±2.1 points) | 90.8% (±0.1 points) | 91.0% |
| Median age of residents | 45.4 years (±3.1) | 43.0 years (±0.6) | 39.8 years (±0.1) | 38.9 years |
The Town of Waterloo covers 21.7 square miles of land, about 338 residents per square mile (Census Bureau Gazetteer).
How the Town of Waterloo has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 7,388 (±18) | 7,324 (±29) | −0.9% | Measurable decrease |
| Housing units | 3,469 (±181) | 3,701 (±203) | +6.7% | Not a measurable change |
| Median gross rent | $830 (±$98) | $922 (±$39) | +11.1% | No measurable change after inflation |
| Median home value | $80,700 (±$5,396) | $117,500 (±$7,999) | +45.6% | Up after inflation |
| Median household income | $54,880 (±$5,497) | $63,226 (±$10,813) | +15.2% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,051 (±$81) | $1,293 (±$121) | +23.0% | No measurable change after inflation |
| Median real estate taxes | $2,570 (±$249) | $3,396 (±$172) | +32.1% | No measurable change after inflation |
| Households that rent | 28.2% (±5.5 points) | 34.3% (±5.9 points) | +6.1 percentage points | Not a measurable change |
| Rental vacancy rate | 0.9% (±1.7 points) | 7.3% (±4.7 points) | +6.4 percentage points | Measurable increase |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Seneca County
The Town of Waterloo has no police department of its own in the FBI’s figures, so this is the figure for Seneca County as a whole.
In 2025, the police departments that report for Seneca County recorded 134 violent and 910 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in the Town of Waterloo
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 13165 | 69% | 9,458 | $929 | $121,600 | $59,981 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near the Town of Waterloo
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Village of Waterloo | 2.9 mi | $927 | $114,300 | 31.3% |
| Town of Junius | 3.6 mi | $1,333 | $160,400 | 10.2% |
| Geneva (Ontario County) | 5.2 mi | $972 | $165,500 | 48.3% |
| Geneva (Seneca County) | 5.2 mi | — | — | — |
| Seneca Falls (community) | 5.9 mi | $951 | $123,700 | 38.5% |
| Town of Fayette | 6.0 mi | $1,215 | $173,900 | 17.9% |
| Town of Seneca Falls | 6.3 mi | $955 | $137,100 | 36.0% |
| Town of Phelps | 7.3 mi | $1,124 | $166,300 | 11.9% |
Places in New York most like the Town of Waterloo
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Town of Arcadia | $1,002 | $148,400 | $63,398 | 29.6% |
| Town of Little Valley | $742 | $118,000 | $56,184 | 32.4% |
| Village of Milford | $850 | $152,500 | $64,167 | 31.4% |
| Town of Sherburne | $855 | $149,300 | $63,203 | 29.6% |
| Town of Canisteo | $975 | $116,800 | $62,660 | 24.9% |
| Town of Ticonderoga | $852 | $176,200 | $65,481 | 31.6% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across New York.
HUD Fair Market Rent for the Town of Waterloo, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $797 | $927 | $1,145 | $1,539 | $1,914 |
HUD income limits for the Town of Waterloo, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $20,350 | $33,900 | $54,250 |
| 2 people | $23,250 | $38,750 | $62,000 |
| 3 people | $27,320 | $43,600 | $69,750 |
| 4 people | $33,000 | $48,400 | $77,450 |
| 5 people | $38,680 | $52,300 | $83,650 |
| 6 people | $44,360 | $56,150 | $89,850 |
| 7 people | $50,040 | $60,050 | $96,050 |
| 8 people | $55,720 | $63,900 | $102,250 |
These are the limits HUD sets for its housing programs in the Seneca County, NY, where HUD’s median family income for fiscal year 2026 is $96,800.
A program can use its own limits; tax-credit and local programs often do.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Waterloo include them.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Town of Waterloo
What is the average rent in the Town of Waterloo, NY?
The Census Bureau publishes the median rather than the average: the median gross rent in the Town of Waterloo is $922 (±$39) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How much is a one-bedroom apartment in the Town of Waterloo?
The median gross rent for a one-bedroom home in the Town of Waterloo, NY is $477 (±$284) a month (2020–2024 American Community Survey).
Are renters in the Town of Waterloo rent-burdened?
47.6% of renting households in the Town of Waterloo pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in the Town of Waterloo?
The Town of Waterloo has an estimated 1,164 (±226) renting households, 34.3% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in the Town of Waterloo?
The median household income in the Town of Waterloo is $63,226 (±$10,813) a year (2020–2024 American Community Survey).
What is the average home value in the Town of Waterloo, NY?
The Census Bureau publishes the median: $117,500 (±$7,999) for owner-occupied homes in the Town of Waterloo (2020–2024 American Community Survey).
Is the Town of Waterloo growing?
In the Town of Waterloo, the number of residents went from 7,388 in 2015–2019 to 7,324 in 2020–2024 (−0.9%), a measurable decrease.
What ZIP codes are in the Town of Waterloo?
The ZIP code that covers the Town of Waterloo is 13165.
What is the median rent in ZIP code 13165?
The median gross rent in ZIP Code Tabulation Area 13165 is $929 (±$36) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Waterloo town, Seneca County, New York
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Waterloo town, Seneca County, New York
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Waterloo town, Seneca County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Waterloo town, Seneca County, New York
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Waterloo town, Seneca County, New York
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Waterloo town, Seneca County, New York
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Waterloo town, Seneca County, New York
- HUD Fair Market Rents, fiscal year 2027: Seneca County, NY
- HUD Income Limits, fiscal year 2026: Seneca County, NY
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Waterloo town, Seneca County, New York (county subdivision:78564, in state:36 county:099).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .