Waterloo, Nebraska Demographics & Population 2026
During the 2020–2024 ACS period, Waterloo, Nebraska had a total population of 990, the 121st largest village in Nebraska, with a median household income of $67,941, which is 11% lower than the state average. The poverty rate is 7.6%.
Data vintage: U.S. Census Bureau ACS 2020–2024 5-Year Estimates · refreshed July 2026 · Methodology & source notes
Key Takeaways
- Near full employment with an unemployment rate of just 1.3%.
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 | 950 | 990 | +4.2% |
| Median household income | $75,417 | $67,941 | -9.9% |
| Median home value | $218,400 | $231,400 | +6.0% |
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 Nebraska
Explore Nebraska Rankings
Other Cities in Douglas County
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 |
|---|---|---|---|---|---|
| Harvard | 1,008 | $66,000 | $102,100 | 13.1% | 7.3% |
| Tilden | 936 | $69,118 | $156,500 | 22.7% | 13.6% |
| Hooper | 989 | $77,865 | $173,200 | 29.6% | 6.5% |
| Arnold | 945 | $64,688 | $146,700 | 26.1% | 8.0% |
| Arapahoe | 993 | $57,188 | $97,400 | 21.2% | 18.0% |
A note before these figures: with a population of 990, Waterloo's ACS estimates come from a small number of survey responses and carry wide margins of error. Individual percentages below — particularly rates that round to 0% or 100% — are approximations, not precise measurements. See data.census.gov for the published margins of error.
Population Overview
Waterloo is a small community located in Nebraska, within Douglas County. The total population is 990. It ranks as the 121st most populous out of 583 Census-designated places in Nebraska.
Age Demographics
The median age in Waterloo is 38.0 years. This is 2% higher than the state median of 37.2 years.
Economy, Income & Housing
The median household income in Waterloo is $67,941. This is 11% lower than the state median of $76,475. It is also 16% lower than the national median of $80,734. The poverty rate stands at 7.6%. This is 28% lower than the state poverty rate of 10.6%. The unemployment rate is 1.3%. This is 57% lower than the state rate of 3.0%. The median home value is $231,400. Housing costs are 3% lower than the state median of $238,600. The home-value-to-income ratio is 3.4x. 71.1% of occupied housing units are owner-occupied. This homeownership rate is 7% higher than the state average of 66.5%.
Race & Ethnicity
Waterloo has a predominantly White (non-Hispanic) population, comprising 88.2% of all residents. Hispanic or Latino residents account for 5.1%. The Hispanic or Latino population (5.1%) is well below the state average of 12.7%.
Education
18.7% of residents aged 25 and older hold a bachelor's degree or higher. This is 46% lower than the state rate of 34.6%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 94.4%.
Data Sources & Methodology
All demographic data for Waterloo, Nebraska 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 Nebraska state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 583 Census-designated places in Nebraska. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.
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Frequently Asked Questions
What is the population of Waterloo, Nebraska?
Waterloo, Nebraska has a population of 990 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Waterloo, NE?
The median household income in Waterloo is $67,941, which is 16% lower than the national median of $80,734.
What is the poverty rate in Waterloo, NE?
The poverty rate in Waterloo is 7.6%. This means approximately 75 residents live below the federal poverty line.
What is the racial makeup of Waterloo, Nebraska?
Waterloo's population is 88.2% White, 3.0% Black, 5.1% Hispanic/Latino, and 0.0% Asian.
What is the median home value in Waterloo, NE?
The median home value in Waterloo is $231,400. The home-value-to-income ratio is 3.4x.
How educated is Waterloo, Nebraska?
18.7% of adults (25+) in Waterloo hold a bachelor's degree or higher, and 7.4% hold a graduate or professional degree.