City

Waterloo, IL

1 ZIP code  ·  Monroe County  ·  Illinois

👥17,907Population
💰$94,073Median HH Income▲ 23% above avg
🎂43.6Median Age
🏠$263,200Median Home Value≈ Avg
🎓46.8%College Grads▲ 21% above avg
📊2.4%Unemployment▼ 50% below avg
People & Population (ACS 2023 — weighted avg)
♂ Male 50.1% Female 49.9% ♀

Race & Ethnicity

White: 96.9%Hispanic: 1.1%Black: 0.5%Asian: 0.7%Other: 0.6%Race
White96.9%
Hispanic1.1%
Black0.5%
Asian0.7%
Other0.6%

Age Breakdown

Under 5
5%
5–17
15%
18–24
8%
25–44
24%
45–64
28%
65+
9%

Key Indicators

Median Age43.6 yrs
Avg HH Size2.49
Below Poverty4.4% ▼ 56% below avg
College Grads46.8% ▲ 21% above avg
Unemployment2.4% ▼ 50% below avg
No HS Diploma30 (0.2%)
HS Graduate3,022 (24.3%)
Some College1,729 (13.9%)
Associates1,824 (14.7%)
Bachelors1,436 (11.6%)
Graduate Degree4,382 (35.3%)

Education

No HS: 0.2%HS Grad: 24.3%Some College: 13.9%Associates: 14.7%Bachelors: 11.6%Graduate: 35.3%Edu
No HS0.2%
HS Grad24.3%
Some College13.9%
Associates14.7%
Bachelors11.6%
Graduate35.3%
Housing & Income

Housing Tenure

Owner: 84.3%Renter: 15.7%Tenure
Owner84.3%
Renter15.7%

Home Value Distribution

Under $50k
2%
$50k–$100k
2%
$100k–$150k
10%
$150k–$200k
18%
$200k–$300k
28%
$300k–$500k
34%
Over $500k
6%

Financials

Median HH Income$94,073 ▲ 23% above avg
Median Home Value$263,200 ≈ Avg
Home/Income Ratio2.8x (nat avg ~3.5x)
Median Rent$884/mo
Total Housing Units7,562
Vacant Units438

Income Distribution

Under $25k
11%
$25k–$50k
11%
$50k–$75k
14%
$75k–$100k
16%
$100k–$150k
20%
$150k–$200k
15%
Over $200k
13%
Employment & Commute

How People Get to Work

Drove Alone
85%
Public Transit
0%
Walked
2%
Work From Home
13%

Commute Time

Under 15 min
26%
15–30 min
19%
30–45 min
32%
Over 45 min
22%
Housing Stock

Year Built

Before 1940
2%
1940s–1950s
9%
1960s–1970s
9%
1980s–1990s
22%
2000+
59%
About Waterloo, IL

Waterloo is a city in Illinois, located in Monroe County. The city spans 1 ZIP code and is home to approximately 17,907 residents. It is a middle-aged city, with a median age of 43.6 years.

Economically, Waterloo is a middle-income community. The median household income of $94,073 is above the national average. Approximately 4.4% of residents live below the poverty line. The unemployment rate is 2.4%, well below the national average.

The real estate market in Waterloo is a mid-range housing market. Median home values stand at $263,200, which is near the national average. Renters typically pay around $884 per month. Homeownership is high at 84.3%, typical of suburban and family-oriented communities.

The population of Waterloo is well-educated. 46.8% of adults hold a bachelor's degree or higher — above the national average. The community is primarily White (96.88%).

Waterloo, IL offers residents above-average earning potential within Illinois.

ZIP Codes in Waterloo
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
62298 17,907 $94,073 $263,200 $884 2.4% 46.8% 84.3%