Waterloo, IA Profile: Facts & Data


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Waterloo, Iowa - Basic Facts

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The City of Waterloo is the 7th largest city in Iowa with a population of 67,847 as of July 1, 2021. Waterloo ranks in the upper quartile for Population Density and Diversity Index when compared to the other cities, towns and Census Designated Places (CDPs) in Iowa. See peer rankings below.

The primary coordinate point for Waterloo is located at latitude 42.4928 and longitude -92.343 in Black Hawk County. The formal boundaries for the City of Waterloo encompass a land area of 61.39 sq. miles and a water area of 1.84 sq. miles. Black Hawk County is in the Central time zone (GMT -6). The elevation is 856 feet.

The City of Waterloo has a C2 Census Class Code which indicates an active incorporated place legally coextensive with a county subdivision but treated as independent of any county subdivision. It also has a Functional Status Code of "A" which identifies an active government providing primary general-purpose functions.

The City of Waterloo is located within , a minor civil division (MCD) of Black Hawk County.

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  1. Waterloo 2021 Demographic Data
  2. Growth Rates for Waterloo (Historical & 5-Year Forecast)
  3. Peer Comparisons (Rank and Percentile)
  1. Neighborhoods Demographics (Home Values, Household Income, etc.)
  2. Iowa Research Tools (Easy Tools & Current Data)
  3. Iowa Data Comparison Tool - 2021 Demographics

Waterloo, IA Data & Demographics (As of July 1, 2021)


Total Population 67,847 (100%)
Population in Households 66,916 (98.6%)
Population in Families 49,630 (73.1%)
Population in Group Quarters1 931 ( 1.4%)
Population Density 1,105
Diversity Index2 52


Median Household Income $51,902
Average Household Income $70,327
% of Income for Mortgage4 11%
Per Capita Income $29,596
Wealth Index5 67


Total HU (Housing Units) 31,595 (100%)
Owner Occupied HU 18,822 (59.6%)
Renter Occupied HU 9,715 (30.7%)
Vacant Housing Units 3,058 ( 9.7%)
Median Home Value $134,817
Average Home Value $170,306
Housing Affordability Index3 185


Total Households 28,537
Average Household Size 2.34
Family Households 16,781
Average Family Size 3
  1. Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
  2. The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
  3. The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
  4. The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
  5. The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.


2010-2021 2021-2026
Population -0.07% 0.09%
Households -0.02% 0.11%
Families -0.24% -0.03%
Median Household Income   1.0%
Per Capita Income   1.99%
Owner Occupied HU   0.48%

Waterloo, IA - Peer Comparisons by Rank and Percentile

The table below compares Waterloo to the other 1,008 incorporated cities, towns and CDPs in Iowa by rank and percentile using July 1, 2021 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

Variable Description Rank Percentile
Total Population # 7 99th
Population Density # 232 77th
Median Household Income # 794 21st
Housing Affordability Index # 334 33rd
Per Capita Income # 611 39th
Diversity Index # 24 98th

Additional comparisons and rankings can be made with a VERY EASY TO USE Iowa Census Data Comparison Tool.

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