New York / Seneca County

Moving to Waterloo, NY

Thinking of making a move to Waterloo, NY? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Waterloo, NY

Considering a move to Waterloo, NY? This welcoming community of 4,810 residents offers a blend of suburban charm and convenience, with median home prices around $124,000 and average rents near $790. Commute times average 21 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (48% annually), ideal for families and commuters alike. Explore Waterloo's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Waterloo, NY

Waterloo has a population of 4,810 residents, offering a diverse community with a median age of nearly 43 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 94% White, 2% Black, and 1% Asian residents, and over 5% speaking a language other than English at home. Its high population density contributes to a lively suburban 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?

The cost of living in Waterloo is higher than the national average, with a cost of living index of 87.0. Median home values are around $124,000 and average rents for a two-bedroom apartment are approximately $790. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

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 is considered a safe community, with a low violent crime rate of 145 incidents per 100,000 residents and a property crime chance of 1 in 74. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in New York.

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?

Waterloo experiences four distinct seasons, with warm summers reaching highs of 80°F and cold winters dipping to 17°F. The area receives about 36 inches of rainfall annually and enjoys sunshine on 48% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
17°F
Max
34°F

Summer

Min
60°F
Max
80°F

Spring

Min
37°F
Max
62°F

Fall

Min
42°F
Max
65°F
Average Rainfall Inches
35.5 inches
Sunny Days Percentage
48%

Neighbors

The neighborhood boasts a healthy median household income of $57,400 and a low poverty rate of 13.6%. Over 90% of residents have at least a high school diploma, and nearly 19% hold a bachelor's degree or higher. Commute times average 21 minutes, and almost 1% use public transportation, reflecting the area's accessibility and educated population.

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 offers quality education options, with public schools like Waterloo High School and LaFayette Intermediate School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Finger Lakes Community College and Hobart and William Smith Colleges. The community is committed to educational excellence for all age groups.

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 have access to quality healthcare, with major hospitals like Geneva General Hospital nearby. The community benefits from a high physician-to-resident ratio of 2.0 per 1,000 people and 95.1% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
Geneva General Hospital
Address
196 North St, Geneva, NY 14456
Phone
(315) 787-4000
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

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?

The local housing market is strong, with a median home price of $124,000 and an owner-occupied rate of nearly 69%. The market has seen a 4.3% appreciation over the past year, and rental vacancy rates remain moderate at 7.4%. Waterloo offers a mix of stability and opportunity 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

Residents of Waterloo handle vehicle services through the New York State Department of Motor Vehicles, conveniently located in Geneva. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

State
New York
Department
New York State Department of Motor Vehicles
Address
10 Seneca Street, Geneva, NY 14456
Phone
1-518-486-9786

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.

FAQs About Moving to Waterloo, NY

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Waterloo, review the core fields on this page: population 4,810, median home value $124,000, average rent for 2 bedroom $790, commute time 20.5 minutes, and sunny days percentage 48%.

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