Waterloo village, New York Demographics & Population 2026

Population Overview

Waterloo village is a small community located in New York. The total population is 4,600. It ranks as the 377th most populous out of 1,287 cities and towns in New York.

Age Demographics

The median age in Waterloo village is 50.0 years. This is 26% higher than the state median of 39.6 years. 14.6% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.

Economy, Income & Housing

The median household income in Waterloo village is $52,404. This is 38% lower than the state median of $84,578. Compared to the national median of $78,538, household income here is 33% lower. The poverty rate stands at 11.3%. This is 17% lower than the state poverty rate of 13.7%. The unemployment rate is 6.3%. This is 1% higher than the state rate of 6.2%. The median home value is $111,300. Housing costs are 72% lower than the state median of $403,000. With a home-value-to-income ratio of just 2.1x, Waterloo village is one of the most affordable housing markets in the area. 68.9% of occupied housing units are owner-occupied. This homeownership rate is 27% higher than the state average of 54.3%.

Race & Ethnicity

Waterloo village has a predominantly White (non-Hispanic) population, comprising 88.5% of all residents. Hispanic or Latino residents account for 5.1%. The White (non-Hispanic) population is significantly higher than the state average (88.5% vs 53.4%). The Black or African American population (1.7%) is well below the state average of 13.6%. The Hispanic or Latino population (5.1%) is well below the state average of 19.6%.

Education

23.4% of residents aged 25 and older hold a bachelor's degree or higher. This is 41% lower than the state rate of 39.6%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 88.7%.

Data Sources & Methodology

All demographic data for Waterloo village, New York is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against New York state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 1,287 Census-designated places in New York. For official data, visit data.census.gov.