Checked
Waterloo, IA
City in Black Hawk County, Iowa. ZIP codes: 50701, 50702, 50703, 50707.
Population
67,008
Land area
61.6sq mi
People per sq mi
1,088
ZIP codes
4
Waterloo and its ZIP codes
Waterloo at a glance
- Waterloo is about 19 times as dense as Iowa as a whole.
- It is the 9th most populous of 1,017 cities and towns in Iowa.
- Households here earn a median of $57,480 a year, 23% less than the Iowa figure of $75,059.
- A typical owner-occupied home is valued at $152,600 (27% below Iowa) and median rent is $923 a month.
Local data for Waterloo, IA
Counts from official public data
- Hospitals2
- Emergency Rooms2
- Nursing Homes5
- Schools22
- Colleges2
- Libraries1
- Banks17
- Post Offices2
- Parks45
- Grocery Stores34
- Restaurants181
- Affordable Housing13
- Home Health Agencies3
- Hospice Care2
- Dialysis Centers2
- Rehab & Long-Term Care Hospitals1
- Community Health Centers1
- Mental Health & Addiction Treatment5
- Private Schools6
- Community Colleges & Trade Schools1
- Superfund Sites1
- Toxic Release Facilities15
- Historic Places23
Housing and community stats
Waterloo, IA, American Community Survey 2020-2024
Median household income
$57,480
Poverty rate
16.6%
Median home value
$152,600
Median rent
$923/mo
Homeownership
62.1%
Bachelor's or higher
21.8%
Median age
36.7
Average commute
15.9 min
Largest reported origins and ancestries: German Americans (15,694), Irish Americans (6,652), Mexican Americans (3,161).
Economy and federal money
Jobs, pay, income and spending are for Black Hawk County. PPP loans are for Waterloo.
Unemployment rate
4.1%
Aug 2026, -0.2 pts in a year
Average annual pay
$59,876
70,713 jobs, 2025
Income per person
$56,987
BEA, 2024
Federal spending
$904M
FY 2026, $6,896 per person
PPP loans
$109M
1,560 loans, 13,634 jobs reported
How people get to work
Waterloo, IA, workers 16 and older. American Community Survey 5-year estimates
- Drove alone78.1%
- Carpooled11.4%
- Public transit0.4%
- Walked1.6%
- Bicycle0.5%
- Taxi, ride-hailing, motorcycle or other0.4%
- Worked from home7.6%
Average one-way commute: 15.9 minutes for people who do not work from home.
Environment and hazard risk
Waterloo, IA, from FEMA, NOAA and EPA
Natural hazard risk
Relatively Low
Top: drought
Storm events since 1996
939
Countywide, mostly thunderstorm wind
Flood insurance policies
448
1.0% of homes, county
July high / Jan low
85° / 11°F
36.3 inches of rain a year
Hazards, floods and storm historyCheck a flood zone23 historic places
Health statistics
Share of adults in Waterloo, IA, CDC PLACES estimates
Obesity
44.0%
U.S. 33.3% +10.7 pts
Diabetes
13.6%
U.S. 12.1% +1.5 pts
Smoking
18.9%
U.S. 12.8% +6.1 pts
Uninsured (18-64)
9.0%
U.S. 11.1% -2.1 pts
ZIP codes in Waterloo
4 in or overlapping Waterloo. Population shown
Cities near Waterloo
| Name | Distance | Land area (sq mi) |
|---|---|---|
| EvansdaleCity | 3.4 mi | 4 |
| Elk Run HeightsCity | 4.7 mi | 1.1 |
| RaymondCity | 6 mi | 1.6 |
| Cedar FallsCity | 6.1 mi | 29.4 |
| WashburnCensus-designated place | 6.9 mi | 1.2 |
| HudsonCity | 7.2 mi | 8.4 |
| GilbertvilleCity | 8.3 mi | 0.4 |
| DunkertonCity | 10 mi | 1.2 |
| DenverCity | 12 mi | 1.7 |
| JanesvilleCity | 12 mi | 1.4 |
| JesupCity | 14 mi | 1.8 |
| La Porte CityCity | 15 mi | 2.6 |
| DikeCity | 15 mi | 1.4 |
| New HartfordCity | 15 mi | 0.6 |
| ReadlynCity | 15 mi | 0.3 |
| WaverlyCity | 17 mi | 11.3 |
Frequently asked questions
- What county is Waterloo, IA in?
- Waterloo is in Black Hawk County, Iowa.
- What ZIP codes are in Waterloo, IA?
- ZIP codes in or overlapping Waterloo include 50701, 50702, 50703, 50707.
- What is the population of Waterloo, IA?
- About 67,008 people live in Waterloo, based on American Community Survey 5-year estimates.
- What cities are near Waterloo?
- Nearby places include Evansdale (3.4 mi), Elk Run Heights (4.7 mi), Raymond (6 mi), Cedar Falls (6.1 mi), Washburn (6.9 mi).
Source: U.S. Census Bureau (TIGER/Line boundaries, American Community Survey) · Data as of 12/31/2023