Everything You Should Know Before Moving to Waterloo, NY
Considering a move to Waterloo, NY? This charming village of about 4,800 residents offers affordable living, with median home prices at $124,000 and average rents around $790. Commute times are short at just 20.5 minutes, and the community enjoys low violent crime rates (145 per 100k), making it a safe and friendly place to settle. Education is well-supported with good local schools and nearby colleges, and you'll experience classic upstate New York seasons with warm summers and snowy winters. Waterloo is a great fit for those seeking small-town life with access to Finger Lakes recreation and amenities.
Demographics - Waterloo, NY
Demographics - Waterloo, NY
Waterloo, NY is home to approximately 4,800 residents, with a population density of 1,000 per square mile and a median age of 43.2 years. The community is predominantly White, and about 5% of residents speak a language other than English at home, reflecting a close-knit, largely English-speaking small-town atmosphere.
Population:
4,810
Density:
1,000 per sq mi
Median Age:
43.2
Gender Ratio:
95 males per 100 females
Non-English Speakers Percentage:
5.2%
Ethnic Composition
White:
93.5%
Black:
2.1%
Asian:
0.6%
Others:
3.8%
Cost Of Living
What is the average cost of living in Waterloo, NY?
Living costs in Waterloo are notably affordable, with a median home value around $124,000 and average gross rent at $790 per month. The overall cost of living index sits below the national average, making it an attractive option for budget-conscious families and individuals.
Median House Value:
$124,000
Gross Rent:
$790
Monthly Electricity Charges:
$110
Auto Insurance:
$1,120
House Owner Cost With Mortgage:
$1,220
House Owner Cost Without Mortgage:
$520
State Taxes:
Low:
4%
|
High:
8.82%
Cost Of Living Index:
87.0
Grocery:
95.0
Housing:
54.0
Utilities:
98.0
Transportation:
90.0
Health Care:
105.0
Miscellaneous:
93.0
Crime
Is Waterloo, NY a safe place to live?
Waterloo offers a safe environment, with a low violent crime rate of 145 incidents per 100,000 people and a 1 in 690 chance of experiencing a violent crime. Property crime is more common but remains manageable, contributing to a generally secure community feel.
Violent Crimes Per 100k:
145
Property Crimes Per 100k:
1,350
Crime Index:
1,495
Chance Of Violent Crime:
1 in 690
Chance Of Property Crime:
1 in 74
Weather
What is the weather like in Waterloo, NY year-round?
Residents experience all four seasons, with warm summers reaching up to 80°F and cold, snowy winters dipping to 17°F. The area receives about 35.5 inches of annual rainfall and enjoys sunshine nearly half the year, ideal for those who appreciate seasonal variety.
Winter
Min:
17°F
Max:
34°F
Spring
Min:
37°F
Max:
62°F
Summer
Min:
60°F
Max:
80°F
Fall
Min:
42°F
Max:
65°F
Average Rainfall Inches:
35.5 inches
Sunny Days Percentage:
48%
Neighbors
Typical households in Waterloo have an income of about $57,400, and families earn around $65,000. Most neighbors have at least a high school diploma, and commute times are short, fostering a welcoming, community-oriented atmosphere.
Median Income:
$32,000
Household Income:
$57,400
Family Income:
$65,000
Per Capita Income:
$28,300
Income Male:
$40,000
Income Female:
$32,000
Poverty Rate:
13.6%
Non English Speakers:
5.2%
Rent:
$790
Unemployment Rate:
5.2%
Public Transport Usage:
0.8%
Commute Time:
20.5 minutes
Education
High School or Higher:
89.7%
Bachelors or More:
19.0%
Education
How are the schools in Waterloo, NY?
Waterloo supports quality education with local public schools such as Waterloo High School and LaFayette Intermediate School, both offering low student-to-teacher ratios. Higher education opportunities are available nearby at Finger Lakes Community College and Hobart and William Smith Colleges, providing options for continued learning close to home.
Public Schools
Name:
Waterloo High School
Street:
96 Stark St
Phone:
315-539-1550
Students:
580
Student Teacher Ratio:
12.5
Name:
LaFayette Intermediate School
Street:
71 Inslee St
Phone:
315-539-1530
Students:
330
Student Teacher Ratio:
11.8
Colleges
Name:
Finger Lakes Community College
City:
Canandaigua
State:
NY
Distance:
18 miles
Students:
6,500
Name:
Hobart and William Smith Colleges
City:
Geneva
State:
NY
Distance:
8 miles
Students:
2,000
Healthcare
Waterloo residents benefit from nearby access to Geneva General Hospital and a high rate of health insurance coverage at 95%. With 2 physicians per 1,000 people, healthcare services are accessible for most community members.
Major Hospitals
Name:
Geneva General Hospital
Address:
196 North St, Geneva, NY 14456
Phone:
(315) 787-4000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.0
Health Insurance Coverage:
95.1%
Health Care Index:
75.2
Housing Market
What is the housing market like in Waterloo, NY?
Waterloo's housing market is affordable, with a median home price of $124,000 and an average two-bedroom rent at $790. Most homes are owner-occupied, and the area has a low foreclosure rate, making it appealing for both buyers and renters.
Median Home Price:
$124,000
Average Rent For 2 Bedroom:
$790
Owner Occupied Rate:
68.5%
Rental Vacancy Rate:
7.4%
Home Appreciation Rate (1yr):
4.3%
New Construction Rate:
1.2%
Foreclosure Rate:
0.4%
DMV Information
Local DMV services are provided through the New York State Department of Motor Vehicles, conveniently located in nearby Geneva. Residents can access licensing, registration, and other services at the Geneva branch or online via the state DMV website.
State:
New York
Department:
New York State Department of Motor Vehicles
Address:
10 Seneca Street, Geneva, NY 14456
Phone:
1-518-486-9786
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.