City

Waterloo, IN

1 ZIP code  ·  DeKalb County  ·  Indiana

👥4,122Population
💰$74,412Median HH Income≈ Avg
🎂38.9Median Age
🏠$177,500Median Home Value▼ 36% below avg
🎓31.1%College Grads▼ 20% below avg
📊4.5%Unemployment▼ 8% below avg
People & Population (ACS 2023 — weighted avg)
♂ Male 51.2% Female 48.8% ♀

Race & Ethnicity

White: 94.5%Hispanic: 2.2%Black: 0.1%Asian: 0.6%Other: 2.2%Race
White94.5%
Hispanic2.2%
Black0.1%
Asian0.6%
Other2.2%

Age Breakdown

Under 5
7%
5–17
17%
18–24
12%
25–44
22%
45–64
27%
65+
8%

Key Indicators

Median Age38.9 yrs
Avg HH Size2.49
Below Poverty9.4% ≈ Avg
College Grads31.1% ▼ 20% below avg
Unemployment4.5% ▼ 8% below avg
No HS Diploma14 (0.6%)
HS Graduate937 (37.8%)
Some College454 (18.3%)
Associates305 (12.3%)
Bachelors347 (14%)
Graduate Degree425 (17.1%)

Education

No HS: 0.6%HS Grad: 37.8%Some College: 18.3%Associates: 12.3%Bachelors: 14%Graduate: 17.1%Edu
No HS0.6%
HS Grad37.8%
Some College18.3%
Associates12.3%
Bachelors14.0%
Graduate17.1%
Housing & Income

Housing Tenure

Owner: 84.5%Renter: 15.5%Tenure
Owner84.5%
Renter15.5%

Home Value Distribution

Under $50k
10%
$50k–$100k
13%
$100k–$150k
20%
$150k–$200k
10%
$200k–$300k
25%
$300k–$500k
17%
Over $500k
5%

Financials

Median HH Income$74,412 ≈ Avg
Median Home Value$177,500 ▼ 36% below avg
Home/Income Ratio2.4x (nat avg ~3.5x)
Median Rent$840/mo
Total Housing Units1,782
Vacant Units136

Income Distribution

Under $25k
10%
$25k–$50k
19%
$50k–$75k
19%
$75k–$100k
26%
$100k–$150k
16%
$150k–$200k
4%
Over $200k
7%
Employment & Commute

How People Get to Work

Drove Alone
95%
Work From Home
5%

Commute Time

Under 15 min
28%
15–30 min
38%
30–45 min
19%
Over 45 min
15%
Housing Stock

Year Built

Before 1940
0%
1940s–1950s
5%
1960s–1970s
12%
1980s–1990s
20%
2000+
63%
About Waterloo, IN

Waterloo is a city in Indiana, located in DeKalb County. The city spans 1 ZIP code and is home to approximately 4,122 residents. It is a middle-aged city, with a median age of 38.9 years.

Economically, Waterloo is a solidly middle-class community. The median household income of $74,412 is near the national average. Approximately 9.4% of residents live below the poverty line. The unemployment rate is 4.5%, near the national average.

The real estate market in Waterloo is an affordable housing market. Median home values stand at $177,500, which is below the national average. Renters typically pay around $840 per month. Homeownership is high at 84.5%, typical of suburban and family-oriented communities.

The population of Waterloo is moderately educated. 31.1% of adults hold a bachelor's degree or higher — below the national average. The community is primarily White (94.52%).

Waterloo, IN offers residents a cost-conscious lifestyle within Indiana.

ZIP Codes in Waterloo
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
46793 4,122 $74,412 $177,500 $840 4.5% 31.1% 84.5%