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Waterloo, Iowa

Realtor Sep 2026 · ACS 2024

Market Read

A market with no active rental pool to price against. The sale-side figures below are the whole picture.

Demand is unremarkable. Hotness 58/100, supply score 55, homes go under contract 2.6% faster than the US median, at 45% of US prices. See the sale evidence ↓
Tenant economics are strong. Median household income $59K, +0.5% YoY (ZIP); renters hold 36.9% of ZIP households. See the people evidence ↓

What would change this read: the median listing price is +8.2% YoY. inventory, −2.2% YoY, is the number to watch.

Gross Rental Yield

–

1% rule implies 12%/yr

Rent-to-Price

–

1% rule benchmark: 1.00%/mo

Gross Rent Multiplier

–

Price ÷ annual gross rent

Asking vs Voucher

–

No bedroom size has both a rent sample and a published FMR

Computed from this page's data: median listing $213,863 (Realtor). The listing and rental pools are separate samples, not the same homes priced two ways, so the ratios describe the market rather than any one property. Ratios with reasons, not a recommendation to buy.

4 ZIPs in this city:50701 50702 50703 50704

Market Hotness

58 / 100Realtor.com competitiveness composite

national · lower = hotter

0–100 · supply + demand

higher = tighter supply

higher = stronger demand

−2.6%

homes sell faster here

45%

of national median · below avg

Median Listing Price

$214K

Population

69,066

29,993

Median Days on Market

Active Listings

175

New Listings

Housing Market

The median listing price is up 8.2% YoY while the median home got up 1.5% bigger, so value per square foot is up 2.8%.

Pricing

Median Listing Price

$214K+8.2% YoY

Average Listing Price

$243K+0.1% YoY

Price per Sq Ft

$133.131+2.8% YoY

Median Sq Ft

1,550+1.5% YoY

Inventory

Active Listings

175+0.6% YoY

New Listings

80-25.9% YoY

Total Listings

263-2.2% YoY

Buyer Competition

Pending Listings

93-3.1% YoY

Pending Ratio

0.53-2.5% YoY

Median Days on Market

54+53.9% YoY

Price Reduced

25.7%+29.5% YoY

Units & Occupancy

2024 Occupancy ⓘ

U.S. Census ACS · n = 58,991

59Kunits

Occupied54,56392.5%

Vacant4,4287.5%

2024 Tenure ⓘ

U.S. Census ACS · n = 54,563

55Koccupied

Owner36,13966.2%

Renter18,42433.8%

Renter Share

33.8%-2.6% YoY

Total Housing Units

58,991+0.4% YoY

FY2026 Fair Market Rent

CountyBlack Hawk County · HUD 40th-percentile estimate, not actual market asking rent

Studio

$725

/month

1 BR

$801

/month

2 BR

$1,051

/month

3 BR

$1,357

/month

4 BR

$1,763

/month

FMR trends · Black Hawk County

HUD Fair Market Rents · FY1983–FY2026

ZIP Profile

U.S. Census ACS characteristics rolled up across the ZIP Code Tabulation Areas in this area, not the parent county.

Renters hold 36.9% of this ZIP's 29,993 occupied households, on a median household income of $59K.

Population & Age

Total Population

69,066-0.4% YoY

2024 Age Mix ⓘ

U.S. Census ACS · n = 69,066

69Kresidents

Under 1816,57124.0%

Adults 18–6440,41958.5%

65 & Over12,07617.5%

Age Composition Over Time

U.S. Census ACS · 2019–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Median Age

37.21+0.2% YoY

Population Under 18

16,571-1.0% YoY

Population 65 & Over

12,076+1.7% YoY

Households & Mobility

Total Households

29,993+0.9% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.26-1.6% YoY

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house86.1%

Moved (within US)13.6%

Other0.3%

Veterans

6.2%+0.8% YoY

Income & Poverty

Median Household Income

$59K+0.5% YoY

Per-Capita Income

$34K-1.0% YoY

Mean Household Income

$78K-1.8% YoY

Below Poverty Level

15.9%+1.1% YoY

Commuting

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone78.2%

Public transit0.4%

Worked from home7.9%

Other13.5%

Worked From Home

7.9%+7.4% YoY

Mean Commute

16.02-2.1% YoY

Units & Tenure

Total Housing Units

32,847-0.3% YoY

2024 Occupancy ⓘ

U.S. Census ACS · n = 32,847

33Kunits

Occupied29,99391.3%

Vacant2,8548.7%

2024 Tenure ⓘ

U.S. Census ACS · n = 29,993

30Khouseholds

Owner18,92163.1%

Renter11,07236.9%

Avg Household Size — Owner

2.30-2.4% YoY

Avg Household Size — Renter

2.18+0.4% YoY

County Demographics

County population is up 0.3% to 131,049: residents under 18 are up 0.2% and those 65 and over are up 1.3%.

Median Age

35.72024

Population

Black Hawk County Population

132,348+0.9% YoY

Households

Total Households

54,563+1.5% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.31-1.3% YoY

Age

2024 Age Mix ⓘ

U.S. Census ACS · n = 131,049

131Kresidents

Under 1828,74421.9%

Adults 18–6479,16760.4%

65 & Over23,13817.7%

Age Composition Over Time

U.S. Census ACS · 2017–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Population Under 18

28,744+0.2% YoY

Population 65 & Over

23,138+1.3% YoY

Median Age

35.700.0% YoY

Mobility & Veterans

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house83.8%

Moved (within US)15.9%

Other0.3%

Veterans

5.7%-1.7% YoY

County Economy

County median household income is $66K, 14.9% of residents are below the poverty level, 8.9% work from home.

Income

Median Household Income

$66K+2.8% YoY

Per-Capita Income

$38K+0.4% YoY

Mean Household Income

$89K+0.1% YoY

Poverty

Below Poverty Level

14.9%+1.4% YoY

Transportation to Work

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone78.4%

Public transit0.2%

Worked from home8.9%

Other12.5%

Worked From Home

8.9%+4.7% YoY

Mean Commute

15.90-1.2% YoY

Done with Waterloo? Put it next to another market.

State

City

Compare with

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State

City

ZIP codes

Waterloo, Iowa

Realtor Sep 2026 · ACS 2024

Market Read

A market with no active rental pool to price against. The sale-side figures below are the whole picture.

Demand is unremarkable. Hotness 58/100, supply score 55, homes go under contract 2.6% faster than the US median, at 45% of US prices. See the sale evidence ↓
Tenant economics are strong. Median household income $59K, +0.5% YoY (ZIP); renters hold 36.9% of ZIP households. See the people evidence ↓

What would change this read: the median listing price is +8.2% YoY. inventory, −2.2% YoY, is the number to watch.

Gross Rental Yield

–

1% rule implies 12%/yr

Rent-to-Price

–

1% rule benchmark: 1.00%/mo

Gross Rent Multiplier

–

Price ÷ annual gross rent

Asking vs Voucher

–

No bedroom size has both a rent sample and a published FMR

4 ZIPs in this city:50701 50702 50703 50704

Market Hotness

58 / 100Realtor.com competitiveness composite

national · lower = hotter

0–100 · supply + demand

higher = tighter supply

higher = stronger demand

−2.6%

homes sell faster here

45%

of national median · below avg

Median Listing Price

$214K

Population

69,066

29,993

Median Days on Market

Active Listings

175

New Listings

Housing Market

The median listing price is up 8.2% YoY while the median home got up 1.5% bigger, so value per square foot is up 2.8%.

Pricing

Median Listing Price

$214K+8.2% YoY

Average Listing Price

$243K+0.1% YoY

Price per Sq Ft

$133.131+2.8% YoY

Median Sq Ft

1,550+1.5% YoY

Inventory

Active Listings

175+0.6% YoY

New Listings

80-25.9% YoY

Total Listings

263-2.2% YoY

Buyer Competition

Pending Listings

93-3.1% YoY

Pending Ratio

0.53-2.5% YoY

Median Days on Market

54+53.9% YoY

Price Reduced

25.7%+29.5% YoY

Units & Occupancy

2024 Occupancy ⓘ

U.S. Census ACS · n = 58,991

59Kunits

Occupied54,56392.5%

Vacant4,4287.5%

2024 Tenure ⓘ

U.S. Census ACS · n = 54,563

55Koccupied

Owner36,13966.2%

Renter18,42433.8%

Renter Share

33.8%-2.6% YoY

Total Housing Units

58,991+0.4% YoY

FY2026 Fair Market Rent

CountyBlack Hawk County · HUD 40th-percentile estimate, not actual market asking rent

Studio

$725

/month

1 BR

$801

/month

2 BR

$1,051

/month

3 BR

$1,357

/month

4 BR

$1,763

/month

FMR trends · Black Hawk County

HUD Fair Market Rents · FY1983–FY2026

ZIP Profile

U.S. Census ACS characteristics rolled up across the ZIP Code Tabulation Areas in this area, not the parent county.

Renters hold 36.9% of this ZIP's 29,993 occupied households, on a median household income of $59K.

Population & Age

Total Population

69,066-0.4% YoY

2024 Age Mix ⓘ

U.S. Census ACS · n = 69,066

69Kresidents

Under 1816,57124.0%

Adults 18–6440,41958.5%

65 & Over12,07617.5%

Age Composition Over Time

U.S. Census ACS · 2019–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Median Age

37.21+0.2% YoY

Population Under 18

16,571-1.0% YoY

Population 65 & Over

12,076+1.7% YoY

Households & Mobility

Total Households

29,993+0.9% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.26-1.6% YoY

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house86.1%

Moved (within US)13.6%

Other0.3%

Veterans

6.2%+0.8% YoY

Income & Poverty

Median Household Income

$59K+0.5% YoY

Per-Capita Income

$34K-1.0% YoY

Mean Household Income

$78K-1.8% YoY

Below Poverty Level

15.9%+1.1% YoY

Commuting

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone78.2%

Public transit0.4%

Worked from home7.9%

Other13.5%

Worked From Home

7.9%+7.4% YoY

Mean Commute

16.02-2.1% YoY

Units & Tenure

Total Housing Units

32,847-0.3% YoY

2024 Occupancy ⓘ

U.S. Census ACS · n = 32,847

33Kunits

Occupied29,99391.3%

Vacant2,8548.7%

2024 Tenure ⓘ

U.S. Census ACS · n = 29,993

30Khouseholds

Owner18,92163.1%

Renter11,07236.9%

Avg Household Size — Owner

2.30-2.4% YoY

Avg Household Size — Renter

2.18+0.4% YoY

County Demographics

County population is up 0.3% to 131,049: residents under 18 are up 0.2% and those 65 and over are up 1.3%.

Median Age

35.72024

Population

Black Hawk County Population

132,348+0.9% YoY

Households

Total Households

54,563+1.5% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.31-1.3% YoY

Age

2024 Age Mix ⓘ

U.S. Census ACS · n = 131,049

131Kresidents

Under 1828,74421.9%

Adults 18–6479,16760.4%

65 & Over23,13817.7%

Age Composition Over Time

U.S. Census ACS · 2017–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Population Under 18

28,744+0.2% YoY

Population 65 & Over

23,138+1.3% YoY

Median Age

35.700.0% YoY

Mobility & Veterans

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house83.8%

Moved (within US)15.9%

Other0.3%

Veterans

5.7%-1.7% YoY

County Economy

County median household income is $66K, 14.9% of residents are below the poverty level, 8.9% work from home.

Income

Median Household Income

$66K+2.8% YoY

Per-Capita Income

$38K+0.4% YoY

Mean Household Income

$89K+0.1% YoY

Poverty

Below Poverty Level

14.9%+1.4% YoY

Transportation to Work

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone78.4%

Public transit0.2%

Worked from home8.9%

Other12.5%

Worked From Home

8.9%+4.7% YoY

Mean Commute

15.90-1.2% YoY

Done with Waterloo? Put it next to another market.