Waterloo, New York.
Typical home $187,709 (+4.7% in a year). Seneca Falls, NY metro.
to buy the typical home at today's mortgage rate — +$125 (+15%) since Jan 2024.
- 1 year
- Up $8,482 +5%
- $179,227$187,709 since Sep 2025
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Waterloo$985
- New York$2,755
- United States$1,922
Typical home values in Waterloo, NY rose 4.7% over the past year — faster than the nation's +1.2%.
Living in Waterloo, Seneca County, New York
Waterloo is a village of 4,810 people in Seneca County. Half its households earn more than $51,642 a year and half less, against $68,089 across Seneca County; 12% of its people live below the poverty line. 69% of its homes are lived in by their owners and 31% are rented. Unemployment in Seneca County was 3.7% in August 2026, and the county had 0.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Waterloo is a small village in Seneca County, in the Finger Lakes region of New York. Its residents are older than in most American places, and most homes are lived in by their owners. Incomes run below the county's, and a four-year degree is less common among adults here than in many places. Winters are cold and very snowy, with the coldest weather in January, while July brings warm days.
Work. Residents work mainly in schools, hospitals and social care, with manufacturing, media and telecoms, and shops also employing many people. The largest workplaces in Waterloo include the Waterloo Central School District, Finger Lakes Health and Bruno Bock. Commutes are fairly short, and some residents work from home.
Things to do. Women's Rights National Historical Park, a protected area, lies in or beside town. A short drive away are Seneca Lake State Park, on the shore of one of the region's largest lakes, and Montezuma National Wildlife Refuge, a protected area for wildlife. Cayuga Lake is a longer drive away.
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- 2,097households
- 24%of adults have a degree
- 12%below the poverty line
- 21 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Seneca County had 10,339 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 16°; warmest in July, with highs near 79° and lows near 61°. About 57 inches of snow and 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Geneva Rsch Farm weather station, 9 miles away (NOAA).
Largest workplaces in Waterloo
- Waterloo Central School DistrictSchool district356FTE
- Finger lakes HealthNursing homes136
- Bruno BockOrgano-inorganic compound manufacturing52
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 188 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively high
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Waterloo’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Seneca County and the Seneca Falls, NY metro.
Waterloo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Waterloo$187,709
- New York$524,942
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Waterloo15
New listings per month
Sellers arriving at the market.
- Waterloo8
Zip codes with a Waterloo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Waterloo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.