Waterloo, Wisconsin.
Typical home $322,305 (+4.3% in a year). Watertown-Fort Atkinson, WI metro.
to buy the typical home at today's mortgage rate — +$955 (+130%) since Jan 2020.
- 1 year
- Up $13,265 +4%
- $309,040$322,305 since Sep 2025
- 5 years
- Up $82,142 +34%
- $240,162$322,305 since Sep 2021
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$1,692
- Wisconsin$1,770
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Waterloo, WI rose 4.3% over the past year — faster than the nation's +1.2%.
Living in Waterloo, Jefferson County, Wisconsin
Waterloo is a city of 3,492 people in Jefferson County. Half its households earn more than $87,776 a year and half less, against $83,750 across Jefferson County; 14% of its people live below the poverty line. 69% of its homes are lived in by their owners and 31% are rented. Unemployment in Jefferson County was 2.8% in August 2026, and the county had 0.6% fewer jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 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 It can be wrong or out of date.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 Wisconsin city in Jefferson County, with residents who are somewhat younger than in many towns its size. Most homes are lived in by their owners, and household incomes run a little above the county's. Winters are cold, with January the coldest month, and summers are warm in July, with a fair amount of rain and melted snow through the year.
Work. Residents work mainly in manufacturing, in schools, hospitals and social care, in professional and business services, and in shops. The largest workplaces in town include the Waterloo School District, Van Holten's, which pickles fruits and vegetables, and McKay Nursery Company, which grows nursery stock. Commutes are fairly long, and a good number of people work from home.
Things to do. The City of Waterloo Carousel is a tourist attraction in or beside town. A short drive away are Rock Lake, a lake good for a day by the water, and Little Amerricka, an amusement park. A longer drive brings you to Aztalan State Park, an archaeological site.
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- 1,589households
- 24%of adults have a degree
- 14%below the poverty line
- 32 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Jefferson County had 33,413 jobs in 2025, 0.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 27° and lows near 11°; warmest in July, with highs near 82° and lows near 60°. About 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Waterloo Wwtp weather station, under a mile away (NOAA).
Largest workplaces in Waterloo
- Waterloo School DistrictSchool district124FTE
- Van Holten'sPickling fruits and vegetables120
- McKay Nursery CompanyNursery stock growing116
- Sussek Machine CompanyMachine shops91
- Lipari FoodsCheese merchant wholesalers44
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 371 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
- HailRelatively moderate
- TornadoesRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
- Inland floodingRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Jefferson County, 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 Jefferson County and the Watertown-Fort Atkinson, WI 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$322,305
- Wisconsin$337,196
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
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.
- Waterloo10
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
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.