Waterloo, OR population, income and ZIP codes

Waterloo town is a very small community in Oregon, with 242 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #344 of 426 ranked by population — larger than 19% of them. The median age here is 45.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Waterloo town earn a median of $61,458 a year, 21.7% below the national figure of $78,538 and 17% below the $74,006 median for the 228 Oregon cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 3.7% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Waterloo town is valued at $236,500, 22.1% below the national figure and 37% below the $377,700 peer median, while median gross rent runs $1,094 a month, 22.2% below the national figure, or roughly $13,128 across a full year. A household on the local median income would put about 21.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 93.7% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

With 242 residents, a handful of survey responses moves every median on this page. Compare Waterloo town against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.