Waterloo, WI—53594
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Waterloo, WI
As of Oct '25, the median home price in Waterloo, WI is $340,000, with a year-over-year change of 4.3%. This indicates that home prices in Waterloo, WI are increasing. According to Zillow, the 1-year price projection is 2.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $340,000 | 4.3% |
| Single Family | $340,000 | 4.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $346,000 | 4.2% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Waterloo, WI
As of July '25, Rentcast reports the average rent in Waterloo, WI is $890, with a year-over-year rent change of -11.0%. Per bedroom, the median rent as of July '25 in Waterloo, WI is 1-bedrooms: $890. The most common rental property sizes in Waterloo, WI are 2-bedroom and 1-bedroom, accounting for 66.1% and 16.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $890 | $890 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $890 | $890 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Waterloo, WI
As of Oct '25, Realtor.com reports that the median days on market for a home in Waterloo, WI is 56. This is a decrease of -3.0% 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 46.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $434,000 | 11.0% |
Listing Count | 13 | 34.0% |
| Listings as % of Homes | 0.1% | 34.0% |
Days on Market | 56 | -3.0% |
Demographics — Waterloo, WI
As of the latest ACS Survey released in 2023, Waterloo, WI has a population of 5,190, which has increased by 2.7% over the past 5 years. Waterloo, WI is a moderately popular place for families, as children make up 20.1% of the population. The area has a poorly educated workforce, with 23.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,190 | 2.7% |
% Under 18 | 20.1% | 4.1% |
% Seniors | 17.0% | -12.4% |
% WFH | 13.1% | 469.6% |
% w/ College Degree | 23.6% | -6.7% |
As of the latest ACS Survey released in 2023, Waterloo, WI is a predominantly white area, with 82.6% of the population identifying as white. The white population has shrunk by 5.8% in the last 5 years. The second most common race or ethnicity in Waterloo, WI is hispanic, making up 15.7% of the population. Foreign-born residents account for 3.7% of the population in Waterloo, WI, and this percentage has decreased by 26.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 82.6% | -5.8% |
% Black | 0.0% | -100.0% |
% Hispanic | 15.7% | 157.4% |
% Asian | 0.6% | -40.0% |
% Foreign Born | 3.7% | -26.0% |
Mortgage and Risk — Waterloo, WI
According to HUD data as of 2023, there were 125 mortgage originations in Waterloo, WI, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 46.0%, with 15.0% above 90% LTV (elevated). This implies medium mortgage risk in Waterloo, WI. Investor activity is low, as 2.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 125 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Waterloo, WI
Waterloo, WI lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 6 |
Total Units Section 8 | 6 |
% Rentals under Section 8 | 0.9% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $180 | $890 | $1,070 |
| 2 Bedroom | N/A | N/A | $1,240 |
| 3 Bedroom | N/A | N/A | $1,630 |
| 4 Bedroom | N/A | N/A | $1,790 |
Affordability — Waterloo, WI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.6 |
| Median Home Price | $340,000 |
| Median Household Income | $80,000 |