Waterloo, Indiana Demographics & Population 2026
During the 2020–2024 ACS period, Waterloo, Indiana had a total population of 2,073, the 224th largest town in Indiana, with a median household income of $67,083, which is 7% lower than the state average. The poverty rate is 12.5%.
Data vintage: U.S. Census Bureau ACS 2020–2024 5-Year Estimates · refreshed July 2026 · Methodology & source notes
Key Takeaways
- Housing is very affordable with a home-value-to-income ratio of just 1.6x.
Waterloo Quick Facts
How Waterloo Changed
Change from the 2019–2023 ACS period to 2020–2024. These are rolling five-year estimates, not year-over-year measurements.
| Metric | 2019–2023 | 2020–2024 | Change |
|---|---|---|---|
| Population | 2,180 | 2,073 | -4.9% |
| Median household income | $61,375 | $67,083 | +9.3% |
| Median home value | $108,600 | $104,600 | -3.7% |
How Waterloo Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Detailed income brackets
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 41 | National average: 61
Education
Educational Attainment (Adults 25+)
Waterloo Rankings in Indiana
Explore Indiana Rankings
Other Cities in DeKalb County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| Auburn | 13,565 | $68,750 | 9.8% | $190,800 |
| Garrett | 6,642 | $64,179 | 15.3% | $154,200 |
| Butler | 2,660 | $54,688 | 19.3% | $107,700 |
| Hamilton | 1,939 | $69,761 | 7.3% | $298,200 |
| Ashley | 1,230 | $49,091 | 11.1% | $132,100 |
| Altona | 415 | $64,237 | 2.6% | $114,600 |
| St. Joe | 411 | $55,000 | 12.7% | $87,100 |
| Corunna | 128 | $57,500 | 6.3% | $85,000 |
Cities Similar to Waterloo
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Fremont | 2,112 | $66,304 | $151,500 | 14.8% | 9.4% |
| Walkerton | 2,115 | $65,340 | $149,200 | 22.6% | 6.4% |
| New Carlisle | 1,998 | $66,824 | $186,700 | 30.3% | 4.5% |
| Greentown | 2,094 | $60,521 | $123,400 | 19.6% | 7.0% |
| Southport | 1,975 | $71,058 | $206,300 | 22.7% | 11.0% |
Population Overview
Waterloo is a small community located in Indiana, within DeKalb County. The total population is 2,073. It ranks as the 224th most populous out of 967 Census-designated places in Indiana.
Age Demographics
The median age in Waterloo is 35.3 years. This is 7% lower than the state median of 38.1 years.
Economy, Income & Housing
The median household income in Waterloo is $67,083. This is 7% lower than the state median of $71,957. It is also 17% lower than the national median of $80,734. The poverty rate stands at 12.5%. This is 2% higher than the state poverty rate of 12.3%. The unemployment rate is 6.4%. This is 49% higher than the state rate of 4.3%. The median home value is $104,600. Housing costs are 52% lower than the state median of $218,200. With a home-value-to-income ratio of just 1.6x, Waterloo is one of the most affordable housing markets in the area. 81.2% of occupied housing units are owner-occupied. This homeownership rate is 15% higher than the state average of 70.5%.
Race & Ethnicity
Waterloo has a predominantly White (non-Hispanic) population, comprising 86.6% of all residents. Hispanic or Latino residents account for 5.2%. The Black or African American population (0.5%) is well below the state average of 9.1%. The Asian population (0.3%) is well below the state average of 2.6%.
Education
14.2% of residents aged 25 and older hold a bachelor's degree or higher. This is 52% lower than the state rate of 29.5%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 87.8%.
Data Sources & Methodology
All demographic data for Waterloo, Indiana is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Indiana state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 967 Census-designated places in Indiana. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.
Free data download: Get all Indiana city and county demographics as CSV. Download Cities CSV | Download Counties CSV
Frequently Asked Questions
What is the population of Waterloo, Indiana?
Waterloo, Indiana has a population of 2,073 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Waterloo, IN?
The median household income in Waterloo is $67,083, which is 17% lower than the national median of $80,734.
What is the poverty rate in Waterloo, IN?
The poverty rate in Waterloo is 12.5%. This means approximately 257 residents live below the federal poverty line.
What is the racial makeup of Waterloo, Indiana?
Waterloo's population is 86.6% White, 0.5% Black, 5.2% Hispanic/Latino, and 0.3% Asian.
What is the median home value in Waterloo, IN?
The median home value in Waterloo is $104,600. The home-value-to-income ratio is 1.6x.
How educated is Waterloo, Indiana?
14.2% of adults (25+) in Waterloo hold a bachelor's degree or higher, and 6.5% hold a graduate or professional degree.