Waterloo, Wisconsin Demographics & Population 2026
During the 2020–2024 ACS period, Waterloo, Wisconsin had a total population of 3,600, the 193rd largest city in Wisconsin, with a median household income of $87,776, which is 13% higher than the state average. The poverty rate is 13.7%.
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 0.6%.
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 | 3,542 | 3,600 | +1.6% |
| Median household income | $78,103 | $87,776 | +12.4% |
| Median home value | $219,100 | $230,600 | +5.2% |
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: 37 | National average: 61
Education
Educational Attainment (Adults 25+)
Waterloo Rankings in Wisconsin
Explore Wisconsin Rankings
Other Cities in Jefferson County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| Fort Atkinson | 12,463 | $79,302 | 6.7% | $211,800 |
| Jefferson | 7,732 | $79,006 | 11.2% | $225,600 |
| Lake Mills | 6,470 | $91,027 | 5.1% | $317,100 |
| Johnson Creek | 3,362 | $100,685 | 4.3% | $314,200 |
| Ixonia | 2,684 | $93,359 | 1.0% | $345,300 |
| Palmyra | 2,195 | $86,058 | 11.4% | $213,100 |
| Lake Ripley | 1,932 | $116,179 | 10.1% | $366,300 |
| Lake Koshkonong | 1,010 | $97,115 | 5.8% | $370,300 |
| Sullivan | 663 | $71,250 | 27.2% | $257,400 |
| Rome | 620 | $92,083 | 4.7% | $326,200 |
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 |
|---|---|---|---|---|---|
| Combined Locks | 3,622 | $93,490 | $246,000 | 33.5% | 2.0% |
| Seymour | 3,570 | $80,602 | $184,600 | 27.1% | 4.5% |
| Sauk City | 3,483 | $91,042 | $291,400 | 28.9% | 8.4% |
| Marshall | 3,778 | $85,942 | $238,900 | 22.9% | 12.3% |
| Ellsworth | 3,349 | $87,857 | $262,200 | 24.6% | 8.6% |
Population Overview
Waterloo is a small community located in Wisconsin, within Jefferson County. The total population is 3,600. It ranks as the 193rd most populous out of 808 Census-designated places in Wisconsin.
Age Demographics
The median age in Waterloo is 37.8 years. This is 6% lower than the state median of 40.2 years.
Economy, Income & Housing
The median household income in Waterloo is $87,776. This is 13% higher than the state median of $77,485. It is also 9% higher than the national median of $80,734. The poverty rate stands at 13.7%. This is 29% higher than the state poverty rate of 10.5%. The unemployment rate is 0.6%. This is 82% lower than the state rate of 3.3%. The median home value is $230,600. Housing costs are 13% lower than the state median of $266,500. With a home-value-to-income ratio of just 2.6x, Waterloo is one of the most affordable housing markets in the area. 68.9% of occupied housing units are owner-occupied. This homeownership rate is 2% higher than the state average of 67.8%.
Race & Ethnicity
The largest racial or ethnic group in Waterloo is White (non-Hispanic), making up 83.4% of the population. Hispanic or Latino residents account for 16.3%. The Hispanic or Latino population is significantly higher than the state average (16.3% vs 8.0%).
Education
23.9% of residents aged 25 and older hold a bachelor's degree or higher. This is 28% lower than the state rate of 33.4%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 91.4%.
Data Sources & Methodology
All demographic data for Waterloo, Wisconsin 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 Wisconsin state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 808 Census-designated places in Wisconsin. 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, Wisconsin?
Waterloo, Wisconsin has a population of 3,600 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Waterloo, WI?
The median household income in Waterloo is $87,776, which is 9% higher than the national median of $80,734.
What is the poverty rate in Waterloo, WI?
The poverty rate in Waterloo is 13.7%. This means approximately 490 residents live below the federal poverty line.
What is the racial makeup of Waterloo, Wisconsin?
Waterloo's population is 83.4% White, 0.0% Black, 16.3% Hispanic/Latino, and 0.0% Asian.
What is the median home value in Waterloo, WI?
The median home value in Waterloo is $230,600. The home-value-to-income ratio is 2.6x.
How educated is Waterloo, Wisconsin?
23.9% of adults (25+) in Waterloo hold a bachelor's degree or higher, and 4.3% hold a graduate or professional degree.