Waterloo, NY 13165 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Waterloo, NY—13165

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$178,000

1.2% YoY Growth

Household Income

$63,900

16.3% YoY Growth

Days on Market

1.0% Shorter YoY

Home Price Forecast

3.1%

Median Rent

$1,150

60.0% YoY Growth

1-Bed Rent

$800

10.0% YoY Growth

2-Bed Rent

$1,150

N/A

3-Bed Rent

$2,850

N/A

Home Price Trends — Waterloo, NY

As of Dec '25, the median home price in Waterloo, NY is $178,000, with a year-over-year change of 1.2%. This indicates that home prices in Waterloo, NY are increasing. According to Zillow, the 1-year price projection is 3.1%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$178,000	1.2%
Single Family	$178,000	1.7%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Waterloo, NY

As of July '25, Rentcast reports the average rent in Waterloo, NY is $1,600, with a year-over-year rent change of 60.0%. Per bedroom, the median rent as of July '25 in Waterloo, NY is 1-bedrooms: $900, 2-bedrooms: $1,150, 3-bedrooms: $2,850, 4-bedrooms: $2,200. The most common rental property sizes in Waterloo, NY are 2-bedroom and 3-bedroom, accounting for 34.7% and 26.4% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,150	$1,600
Studio Rent	N/A	N/A
1 Bed Rent	$800	$900
2 Bed Rent	$1,150	$1,150
3 Bed Rent	$2,850	$2,850
4 Bed Rent	$2,200	$2,200

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% of Rental Stock

Studio

9.6%

1 Bedroom

23.0%

2 Bedrooms

34.7%

3 Bedrooms

26.4%

4 Bedrooms

5.3%

5+ Bedrooms

1.0%

Property Listings — Waterloo, NY

As of Dec '25, Realtor.com reports that the median days on market for a home in Waterloo, NY is 80. This is a decrease of -12.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$150,000	-26.0%
Listing Count	22	19.0%
Listings as % of Homes	0.2%	19.0%
Days on Market	65	-1.0%

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Demographics — Waterloo, NY

As of the latest ACS Survey released in 2023, Waterloo, NY has a population of 9,430, which has decreased by -10.7% over the past 5 years. Waterloo, NY is a moderately popular place for families, as children make up 19.9% of the population. The area has a poorly educated workforce, with 20.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.6% reporting working from home.

Metric	Latest Census	YoY % Change
Population	9,430	-10.7%
% Under 18	19.9%	-4.8%
% Seniors	23.3%	28.0%
% WFH	8.6%	273.9%
% w/ College Degree	20.6%	32.1%

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As of the latest ACS Survey released in 2023, Waterloo, NY is a predominantly white area, with 89.0% of the population identifying as white. The white population has shrunk by 4.3% in the last 5 years. The second most common race or ethnicity in Waterloo, NY is hispanic, making up 6.2% of the population. Foreign-born residents account for 3.9% of the population in Waterloo, NY, and this percentage has increased by 225.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	89.0%	-4.3%
% Black	1.5%	36.4%
% Hispanic	6.2%	113.8%
% Asian	0.1%	-75.0%
% Foreign Born	3.9%	225.0%

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Mortgage and Risk — Waterloo, NY

According to HUD data as of 2023, there were 198 mortgage originations in Waterloo, NY, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in Waterloo, NY. Investor activity is low, as 1.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	198
% Conventional Loans	80.0%
% Government Loans	20.0%
% Investor Loans	1.0%
% Second Loans	2.0%
% Cash Out Refinance	15.0%

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Rentals and Section 8 — Waterloo, NY

As of 2024, the percent of homes in Waterloo, NY under the Section 8 program is 14.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Waterloo, NY, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.

Section 8 Market Size

Total Units under HUD	182
Total Units Section 8	182
% Rentals under Section 8	14.4%
% Occupied Section 8	91.3%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$150	$800	$950
2 Bedroom	$30	$1,150	$1,180
3 Bedroom	-$1,420	$2,850	$1,430
4 Bedroom	-$420	$2,200	$1,780

Waterloo, NY—13165

Key Metrics at a Glance

Home Price Trends — Waterloo, NY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Waterloo, NY

% of Rental Stock

Property Listings — Waterloo, NY

Demographics — Waterloo, NY

Race and Ethnicity

Mortgage and Risk — Waterloo, NY

Mortgages

Rentals and Section 8 — Waterloo, NY

Section 8 Market Size

Section 8 Opportunity

Affordability — Waterloo, NY

Home Price to Income Ratio

Waterloo, NY — ZIP Code Boundary Map

Nearby ZIP Codes

Seneca Falls, NY

Fayette

Geneva, NY

Phelps, NY

Romulus, NY

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	2.4
Median Home Price	$178,000
Median Household Income	$63,900

Waterloo, NY—13165

Key Metrics at a Glance

Home Price Trends — Waterloo, NY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Waterloo, NY

% of Rental Stock

Property Listings — Waterloo, NY

Demographics — Waterloo, NY

Race and Ethnicity

Mortgage and Risk — Waterloo, NY

Mortgages

Rentals and Section 8 — Waterloo, NY

Section 8 Market Size

Section 8 Opportunity

Affordability — Waterloo, NY

Home Price to Income Ratio

Waterloo, NY — ZIP Code Boundary Map

Nearby ZIP Codes

Seneca Falls, NY

Fayette

Geneva, NY

Phelps, NY

Romulus, NY

Frequently Asked Questions

What is the average home price in Waterloo, NY 13165?

How have home prices in Waterloo, NY 13165 changed over the past year?

What is the home price projection for Waterloo, NY 13165?

What are the demographics of Waterloo, NY 13165?

How long does it take homes to sell in Waterloo, NY 13165?

What is the average rent price in Waterloo, NY 13165?