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Waterloo, IN Profile: Facts & Data

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Waterloo, Indiana - Basic Facts

The Town of Waterloo had a population of 1,995 as of July 1, 2025.

The primary coordinate point for Waterloo is located at latitude 41.432 and longitude -85.02 in DeKalb County. The formal boundaries for the Town of Waterloo encompass a land area of 1.74 sq. miles and a water area of 0 sq. miles. DeKalb County is in the Eastern time zone (GMT -5).

The Town of Waterloo has a C1 Census Class Code which indicates an active incorporated place that does not serve as a county subdivision equivalent. It also has a Functional Status Code of "A" which identifies an active government providing primary general-purpose functions.

The Town of Waterloo is located within Township of Grant, a minor civil division (MCD) of DeKalb County.


Jump to... (On This Page!)
  1. Waterloo 2025 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. Indiana Research Tools (Easy Tools & Current Data)
  3. Indiana Data Comparison Tool - 2025 Demographics
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Waterloo, IN Data & Demographics (As of July 1, 2025)

POPULATION

Total Population 1,995 (100%)
Population in Households 1,995 (100.0%)
Population in Families 1,540 (77.2%)
Population in Group Quarters1 0
Population Density 945
Diversity Index2 19
 
 

INCOME

Median Household Income $75,370
Average Household Income $84,334
% of Income for Mortgage4 18%
Per Capita Income $34,368
Wealth Index5 65
Socioeconomic Status Index6 Moderate (49.3)
 

HOUSING

Total HU (Housing Units) 930 (100%)
Owner Occupied HU 609 (65.5%)
Renter Occupied HU 204 (21.9%)
Vacant Housing Units 117 (12.6%)
Median Home Value $216,379
Average Home Value $263,411
Housing Affordability Index3 131
 

HOUSEHOLDS

Total Households 813
Average Household Size 2.45
Family Households 539
Average Family Size 3.00
NOTES
  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.
  6. The Socioeconomic Index ranges from zero (lowest relative status) to 100 (highest relative status). This measure quantifies disparities in social position of an area's inhabitants and is built from a broad range of demographic, housing, and socioeconomic inputs. More information on this measure can be found in Esri's SEI tutorial.

GROWTH RATE / YEAR

 2020-2025 2025-2030
Population -1.12% 0.21%
Households 0.48% 0.39%
Families   0.70%
Median Household Income   1.09%
Per Capita Income   2.33%
Owner Occupied HU   0.87%

Waterloo, IN - Peer Comparisons by Rank and Percentile

The table below compares Waterloo to the other 976 incorporated cities, towns and CDPs in Indiana by rank and percentile using July 1, 2025 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 # 232 76th
Population Density # 465 52nd
Median Household Income # 424 57th
Housing Affordability Index # 653 67th
Per Capita Income # 538 45th
Diversity Index # 472 52nd

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

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