HomeNew YorkSeneca CountyWaterloo
Waterloo, New York: commercial real estate data.
Waterloo is a Census village of 4,605 people across 2.16 square miles of land, in Seneca County. Median household income is $51,642, 68.7 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $724,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waterloo
What Waterloo is
- Census place typevillage
- Land area2.16 sq mi
- Water area0.05 sq mi
- Population per square mile of land2,135
- County holding the largest share of its areaSeneca County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterloo
How many people live in Waterloo
- Population4,605
- Median age50.8
- Population under 18776 plus or minus 156
- Share under 1816.9 percent
- Population 65 and over1,352
- Share 65 and over29.4 percent
- Households2,097
- Family households968
- Share of households that are families46.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterloo
Income and work in Waterloo
- Median household income$51,642
- Per capita income$32,566
- Civilian labor force2,094
- Employed1,951
- Unemployed143 plus or minus 90
- Unemployment rate6.8 percent plus or minus 4.2
- Adults 25 and over3,442
- Adults 25 and over with a high school diploma or higher90.5 percent
- Adults 25 and over with a bachelor degree or higher23.5 percent plus or minus 7.2
- Adults 25 and over with a graduate degree8.5 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterloo
Housing in Waterloo
- Housing units2,288
- Occupied units2,097
- Vacant units191 plus or minus 93
- Vacancy rate8.3 percent plus or minus 4.0
- Owner occupied1,440
- Renter occupied657 plus or minus 202
- Ownership rate68.7 percent
- Median owner-occupied home value$114,300
- Median gross rent, monthly$927
- Annual rent as a share of median income21.5 percent
- Single family units1,556
- Share single family68.0 percent
- Units in buildings of two or more645 plus or minus 194
- Share in buildings of two or more28.2 percent plus or minus 8.2
- Mobile homes87 plus or minus 64
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterloo
How Waterloo gets to work
- Workers 16 and over who commute1,660
- Commuting under 15 minutes655 plus or minus 196
- Share commuting under 15 minutes39.5 percent plus or minus 9.8
- Commuting 30 minutes or more496 plus or minus 168
- Share commuting 30 minutes or more29.9 percent plus or minus 8.8
- Drove alone74.4 percent
- Carpooled5.5 percent plus or minus 3.6
- Public transport0.0 percent
- Walked2.7 percent plus or minus 2.1
- Worked from home13.2 percent plus or minus 7.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterloo
SBA loans in Waterloo (7(a))
- Approvals11
- Gross approval$724,000
- Average approval$65,818
- Median approval$47,500
- Largest approval$200,000
- Jobs supported22
- Jobs per approval2.0
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term84 months
- Share on real estate terms of 20 years or more9.1 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Waterloo, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Waterloo
SBA loans in Waterloo (504)
- Approvals1
- Gross approval$158,000
- Average approval$158,000
- Median approval$158,000
- Largest approval$158,000
- Jobs supported2
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Waterloo, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Waterloo
Flood risk in Waterloo
- NFIP communityTown of Waterloo
- NFIP community number360759
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/16/81
The Town of Waterloo participates in the National Flood Insurance Program as community 360759 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Seneca County, not Waterloo
Seneca County context, not Waterloo figures
- Establishments in Seneca County689
- Covered employment, Seneca County10,274
- Average annual pay, Seneca County$63,386
- Housing units permitted, Seneca County48
Every figure in this section is published for Seneca County as a whole and is not a measurement of Waterloo.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Waterloo questions, answered from the record.
How many people live in Waterloo, New York?
4,605, in 2,097 households. Waterloo village covers 2.16 square miles of land, which is 2,135 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waterloo in?
Seneca County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Waterloo?
$51,642. The median owner-occupied home is valued at $114,300. Median gross rent is $927 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waterloo businesses?
11 7(a) approvals totaling $724,000 since FY2020, across 5 lenders, median approval $47,500, plus 1 504 approvals worth $158,000 since FY2010. These count approvals to borrowers whose address is in Waterloo, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waterloo borrowers get paid back?
No rate is published for Waterloo. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Waterloo in the National Flood Insurance Program?
Yes. Waterloo appears in the FEMA Community Status Book as Waterloo, town of, community 360759, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Waterloo figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Seneca County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Waterloo.
Is zoning published for Waterloo?
No. Nothing on this page presents parcel level zoning.
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