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Waterloo, NY
Key Indicators
A quick look at key numbers
Population
4,605
Source: U.S. Census Bureau American Community Survey (ACS) 2020-2024 5-Year Estimates
Median Age
50.8
years ∙ half population younger than 50.8, half older
Diversity Index
27.8%
chance two random people differ in race and ethnicity
Nativity
4.3%
foreign-born population
Geographic Context
Location, size, and surroundings
About
Waterloo is a village within Seneca County, New York, United States.
Co-ordinates
DEC42.904586° N, 76.859023° W
DMS42° 54′ 16.51″ N, 76° 51′ 32.48″ W
Population Density & area
2,132/sq mi
(823.8/km²)
Demographics & Living
Who lives here, how households are formed, and community composition
Population Composition
Key characteristics of the population
Sex Distribution
50.3%
male
Male
50.3%
Female
49.7%
males per 100 females
Waterloo
101.1
Seneca County
106.8
New York
95.5
Nativity
4.3%
foreign-born population
% Foreign-born
Waterloo
4.3%
Seneca County
3%
New York
22.8%
Age Distribution
How the population is spread across age groups
Median Age
50.8
years ∙ half population younger than 50.8, half older
Dependency ratio
85.9
dependents per 100 working-age adults
Waterloo
85.9
Seneca County
72
New York
62.3
AGE DISTRIBUTION
Distribution of age group
Median age
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Age Group | |||
| Children (Under 18) | 16.9% | 20.3% | 20.5% |
| Working age (18-64) | 53.7% | 58.1% | 61.6% |
| Senior (65+) | 29.4% | 21.6% | 17.9% |
| Dependency ratio | |||
| Total dependency ratio | 85.9 | 72 | 62.3 |
| Child dependency ratio | 31.3 | 34.9 | 33.2 |
| Old-age dependency ratio | 54.6 | 37.1 | 29.1 |
Racial & Ethnic Composition
Racial and ethnic makeup and how it compares
Race & Ethnicity
Note: White, Black, and Asian refer to individuals belonging to a single race and not of Hispanic origin. Hispanics may be of any race.
Diversity Index
27.8%
chance two random people differ in race and ethnicity
Waterloo
27.8%
Seneca County
23.3%
New York
65.4%
Note: The Diversity Index (DI), based on the Blau Index, measures the probability that two randomly selected individuals differ in race and ethnicity. Values range from 0 (no diversity) to 1 (high diversity) and are shown as percentages.
RACIAL & ETHNIC COMPOSITION
Race & Ethnicity
Percentage of Waterloo population
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Hispanic or Latino | 6.4% | 4.4% | 19.8% |
| Mexican | 0% | 0.6% | 2.6% |
| Puerto Rican | 2.5% | 1.8% | 5.1% |
| Cuban | 0% | 0.1% | 0.4% |
| Other Hispanic / Latino | 3.9% | 1.8% | 11.8% |
| Not Hispanic or Latino | 93.6% | 95.6% | 80.2% |
| One race | 87.9% | 92.1% | 76.4% |
| White | 84.5% | 87.3% | 52.8% |
| Black or African American | 2.7% | 3.5% | 13.4% |
| American Indian and Alaska Native | 0% | 0.1% | 0.2% |
| Asian | 0.2% | 0.6% | 9% |
| Native Hawaiian and Other Pacific Islander | 0% | 0% | 0% |
| Some Other Race | 0.5% | 0.7% | 1% |
| Two or more races (Multiracial) | 5.7% | 3.5% | 3.8% |
Household & Families Composition
Household size, type, and family structure
Household structure
46.2%
family
Family
46.2%
Non family
53.8%
% family households
Waterloo
46.2%
Seneca County
55.6%
New York
61.4%
Average household size
2.07
persons per household
Household & Family COMPOSITION
Households
Percentage of Waterloo population
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Total households | 2,097 | 13,606 | 7,722,646 |
| Average houshold size | 2.07 | 2.28 | 2.49 |
| Family households | 968 | 7,569 | 4,738,075 |
| Average family size | 3 | 3.02 | 3.16 |
| Married couple family | 657 | 5,828 | 3,279,487 |
| Other families | 311 | 1,741 | 1,458,588 |
| Male householder | 105 | 591 | 398,169 |
| Female householder | 206 | 1,150 | 1,060,419 |
| Non-family households | 1,129 | 6,037 | 2,984,571 |
| One-person households | 897 | 4,838 | 2,398,170 |
| Male householder | 528 | 2,255 | 1,045,868 |
| Senior (65+) living alone | 169 | 942 | 332,696 |
| Female householder | 369 | 2,583 | 1,352,302 |
| Senior (65+) living alone | 260 | 1,475 | 673,031 |
| Other living arrangements | 232 | 1,199 | 586,401 |
Housing Profile
Housing stock, ownership, rentals, and cost burdens
Total housing units
2,288
housing units
Waterloo
2,288
Seneca County
16,194
New York
8,585,241
Occupancy status
91.7%
occupied
Occupied
91.7%
Vacant
8.3%
vacancy rate
Waterloo
8.3%
Seneca County
16%
New York
10%
Housing Characteristics
How the housing supply is structured and used
Types of Housing unit
68.1%
Single family houses
Median Year Built
1943
Half of houses were built before 1943, and half after.
Note: Median year built reflects occupied units only; distribution includes all units.
Housing Characteristics
Units, rooms & bedrooms
Physical characteristics of housing units
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Rooms per unit | |||
| Median rooms | 6.3 | 6.1 | 5 |
| 1–3 rooms | 12.9% | 11.2% | 24.3% |
| 4–6 rooms | 41.6% | 44.7% | 48.4% |
| 7+ rooms | 45.6% | 44.1% | 27.2% |
| Bedrooms | |||
| No bedroom / studio | 2.4% | 2.1% | 5.4% |
| 1 bedroom | 11.4% | 9.3% | 19% |
| 2 bedrooms | 25.8% | 26.2% | 26.6% |
| 3 bedrooms | 43.8% | 41.8% | 31.1% |
| 4+ bedrooms | 16.7% | 20.6% | 17.9% |
| At a glance | |||
| Median year built | 1943 | 1961 | 1959 |
| Total housing units | 2,288 | 16,194 | 8,585,241 |
Occupancy Profile
Who is inside and how they use it
Homeownership
68.7%
owners
Renter-occupied
31.3%
Owner-occupied
68.7%
homeownership rate
Waterloo
68.7%
Seneca County
71%
New York
54.3%
Average household size
2.28
Owner-occupied
1.59
Renter-occupied
owner-occupied average size
Waterloo
2.28
Seneca County
2.41
New York
2.66
Housing Characteristics
Occupied unit characteristics
Tenure, crowding, and utilities
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Total occupied units | 2,097 | 13,606 | 7,722,646 |
| Year moved in | |||
| 2020 or later | 11.7% | 16.7% | 20.5% |
| 2010 to 2019 | 46.4% | 38.6% | 36.5% |
| 2000 to 2009 | 16.5% | 18% | 17.8% |
| 1999 or earlier | 25.3% | 26.7% | 25.2% |
| Occupants per room | |||
| 1.00 or fewer | 98% | 99% | 94.7% |
| 1.01 to 1.50 | 2% | 0.8% | 3.1% |
| 1.51 or more | 0% | 0.2% | 2.2% |
| Vehicles availability | |||
| No vehicles | 5% | 8.8% | 29.2% |
| 1 vehicle | 50.8% | 36.8% | 33.6% |
| 2 vehicles | 35.7% | 37.4% | 25.4% |
| 3 or more vehicles | 8.5% | 17% | 11.8% |
| House heating fuel used | |||
| Gas | 81.8% | 63.8% | 64% |
| Electricity | 16.3% | 16.6% | 15.4% |
| Solar | 0% | 0.1% | 0.1% |
| Fuel oil, kerosene etc | 0% | 10.1% | 16.1% |
| All other fuels | 1.9% | 8.8% | 2.8% |
| No fuel used | 0% | 0.6% | 1.6% |
| Selected characteristics | |||
| Lacking complete plumbing | 0% | 0.5% | 0.4% |
| Lacking complete kitchen | 0% | 1.2% | 0.8% |
| No telephone service available | 0.2% | 1.3% | 0.9% |
Housing Value
What owner-occupied units are worth
Median home value
$114,300
owner-occupied units
Housing Cost Burden
28.5%
of homeowners with a mortgage are cost-burdened
Note: Households spending 30% or more of their income on housing costs are considered cost-burdened.
Financial characteristics
Property value and housing costs
Tenure, crowding, and utilities
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Property value | |||
| Median Value | $114,300 | $155,400 | $423,800 |
| Under $100,000 | 35.6% | 23.8% | 9.5% |
| $100,000 - $200,000 | 50.9% | 41% | 15% |
| $200,000 - $300,000 | 10.4% | 18.9% | 13.2% |
| $300,000 - $500,000 | 0% | 8.8% | 19.7% |
| $500,000 - $1,000,000 | 2.3% | 6.3% | 30.1% |
| $1,000,000 and more | 0.8% | 1.2% | 12.6% |
| Owner-occupied households | |||
| With a mortgage | 55.1% | 53.4% | 57.8% |
| Without a mortgage | 44.9% | 46.6% | 42.2% |
| Median monthly owner costs | |||
| With a mortgage | $1,257 | $1,418 | $2,555 |
| Without a mortgage | $671 | $665 | $958 |
| Gross rent | |||
| Median rent | $927 | $957 | $1,621 |
Education Profile
How educated is the community and how education pays off
Adults with a college degree
23.5%
of adults 25+ with a bachelor's degree or higher
Waterloo
23.5%
Seneca County
25.2%
New York
40.2%
Adults without a high school diploma
9.5%
of adults (25+) without a high school diploma
Waterloo
9.5%
Seneca County
15.3%
New York
12%
School Enrollment
Who is enrolled in school and at what level
School enrollment
890
population (age 3+) enrolled in school
College-going rate (18-24 yr olds)
14.2%
of 18-24-year-olds in college or graduate school
Enrollment & school type
Enrollment levels, college-going rate, and public vs private school split
Population 3+ currently enrolled in a school
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Total enrolled (age 3+) | 890 | 6,331 | 4,642,703 |
| Nursery / preschool | 8.9% | 5% | 6.1% |
| K–12 | 65.6% | 74.1% | 64.1% |
| Kindergarten | 4.9% | 4.5% | 4.9% |
| Elementary: Grades 1–4 | 17.1% | 22.2% | 18.7% |
| Elementary: Grades 5–8 | 24.2% | 26.7% | 20.1% |
| High School: Grades 9–12 | 19.4% | 20.7% | 20.4% |
| College or graduate school | 25.5% | 20.9% | 29.8% |
| College, undergraduate | 16.1% | 13.1% | 22.5% |
| Graduate, professional school | 9.4% | 7.8% | 7.3% |
| College-going rate · 18-24 yr olds | 14.2% | 23.7% | 48.5% |
| School type | |||
| Public school | 71.3% | 76.6% | 74.7% |
| Private school | 28.7% | 23.4% | 25.3% |
Education Attainment by Level & Gender
What is the highest level of education completed among adults
Education attainment
3,442
population 25 years and over
Attainment by gender
Male vs Female
Adults (25+) · Share within each education level
Educational Attainment Overview
Distribution and key education attainment rates for adults (25+)
Highest credential completed · adults 25+
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Population (25+) | 3,442 | 23,742 | 14,017,184 |
| Less than 9th grade | 4.9% | 5.5% | 6% |
| 9th–12th, no diploma | 4.6% | 9.8% | 6% |
| High school diploma or GED | 33.6% | 30.4% | 24.3% |
| Some college, no degree | 20.5% | 16.4% | 14.6% |
| Associate's degree | 12.9% | 12.6% | 8.8% |
| Bachelor's degree or higher | 23.5% | 25.2% | 40.2% |
| Bachelor's degree | 15% | 15.8% | 22.4% |
| Graduate or professional | 8.5% | 9.5% | 17.9% |
| High School or higher | 90.5% | 84.7% | 88% |
Earnings by education level
percentage as applicable
Median Earnings
$49,441
Median earnings for adults 25+, by level
Poverty Rate
5%
for ages 25+, with bachelors degree or higher
Outcomes by Education Level
Earnings and poverty rates across education levels (25+)
Adults 25+
| Waterloo | Seneca County | New York | |
|---|---|---|---|
| Median earnings | |||
| Population 25+, with earnings | $49,441 | $48,280 | $57,966 |
| Less than high school graduate | $2,499 | $31,938 | $31,511 |
| High school graduate (includes equivalency) | $50,676 | $41,833 | $40,549 |
| Some college or associate's degree | $54,063 | $50,502 | $49,306 |
| Bachelor's degree | $43,542 | $52,408 | $76,052 |
| Graduate or professional degree | $68,077 | $63,307 | $95,435 |
| Poverty rates | |||
| Less than high school graduate | 12.7% | 20.3% | 28.1% |
| High school graduate (includes equivalency) | 14.3% | 16.8% | 16.8% |
| Some college or associate's degree | 2.6% | 7.4% | 11.4% |
| Bachelor's degree or higher | 5% | 6% | 5.3% |
About Neilsberg Research
Neilsberg Research team are data scientists with expertise in processing, analysis and visualization of big data helping small businesses make right decisions.
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