HomeWisconsinJefferson CountyWaterloo
Waterloo, Wisconsin: commercial real estate data.
Waterloo is a Census city of 3,600 people across 3.79 square miles of land, in Jefferson County. Median household income is $87,776, 68.9 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $3.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waterloo
What Waterloo is
- Census place typecity
- Land area3.79 sq mi
- Water area0.07 sq mi
- Population per square mile of land949
- County holding the largest share of its areaJefferson 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
- Population3,600
- Median age37.8
- Population under 18767 plus or minus 199
- Share under 1821.3 percent plus or minus 5.5
- Population 65 and over598 plus or minus 174
- Share 65 and over16.6 percent plus or minus 4.8
- Households1,589
- Family households910
- Share of households that are families57.3 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$87,776 plus or minus $19,309
- Per capita income$38,304
- Civilian labor force2,092
- Employed2,080
- Unemployed12 plus or minus 18
- Unemployment rate0.6 percent plus or minus 0.9
- Adults 25 and over2,572
- Adults 25 and over with a high school diploma or higher91.4 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent plus or minus 6.6
- Adults 25 and over with a graduate degree4.3 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterloo
Housing in Waterloo
- Housing units1,644
- Occupied units1,589
- Vacant units55 plus or minus 87
- Vacancy rate3.3 percent plus or minus 5.3
- Owner occupied1,095
- Renter occupied494 plus or minus 169
- Ownership rate68.9 percent
- Median owner-occupied home value$230,600
- Median gross rent, monthly$1,106
- Annual rent as a share of median income15.1 percent plus or minus 3.7
- Single family units1,198
- Share single family72.9 percent
- Units in buildings of two or more438 plus or minus 191
- Share in buildings of two or more26.6 percent plus or minus 11.3
- Mobile homes8 plus or minus 16
- Median year structure built1965
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 commute1,715
- Commuting under 15 minutes249 plus or minus 121
- Share commuting under 15 minutes14.5 percent plus or minus 6.7
- Commuting 30 minutes or more986 plus or minus 219
- Share commuting 30 minutes or more57.5 percent
- Drove alone71.2 percent
- Carpooled10.3 percent plus or minus 6.3
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home17.5 percent plus or minus 8.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterloo
SBA loans in Waterloo (7(a))
- Approvals5
- Gross approval$3,140,400
- Average approval$628,080
- Median approval$250,000
- Largest approval$2,396,400
- Jobs supported46
- Jobs per approval9.2
- Loans with a final outcome1
- Paid in full0
- Charged off1
- Median term300 months
- Share on real estate terms of 20 years or more60.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Waterloo, in any county, FY2020 to FY2026. Only 1 loan has 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)
- Approvals3
- Gross approval$3,307,000
- Average approval$1,102,333
- Median approval$1,112,000
- Largest approval$1,375,000
- Jobs supported38
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Waterloo, in any county, FY2010 to FY2026. Only 1 loan has 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 communityCity of Waterloo
- NFIP community number550198
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/04/15
The City of Waterloo participates in the National Flood Insurance Program as community 550198 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.
Jefferson County, not Waterloo
Jefferson County context, not Waterloo figures
- Establishments in Jefferson County2,058
- Covered employment, Jefferson County33,615
- Average annual pay, Jefferson County$54,167
- Housing units permitted, Jefferson County146
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Waterloo.
All Jefferson County figures →
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, Wisconsin?
3,600, in 1,589 households. Waterloo city covers 3.79 square miles of land, which is 949 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?
Jefferson 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?
$87,776. The median owner-occupied home is valued at $230,600. Median gross rent is $1,106 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?
5 7(a) approvals totaling $3.1 m since FY2020, across 4 lenders, median approval $250,000, plus 3 504 approvals worth $3.3 m 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 1 loan has 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, city of, community 550198, 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 Jefferson 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.