What are the schools like in Waterloo, CA?

Waterloo is served primarily by Linden Unified. The district operates 3 elementary schools, 1 middle schools, and 2 high schools with a student-to-teacher ratio of 21.5:1.

What is the median household income in Waterloo?

The median household income in Waterloo, CA is $250,001 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 0.0%.

What is the weather like in Waterloo, CA?

Waterloo has an average high temperature of 56.7°F in January and 92.4°F in July. Annual precipitation averages 17.1 inches.

Waterloo, CA Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Waterloo, CA affordable or expensive?

Waterloo's cost of living index is 107, where 100 represents the national average. This means Waterloo is 7% more expensive than the average US city. The median home value is $867,000 and the median rent is $1,887 per month.

Q: What is the crime rate in Waterloo, CA?

Waterloo has a violent crime rate of 701.3 incidents per 100,000 residents and a property crime rate of 1911.0 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Waterloo, CA a Good Place to Live?

Waterloo is a small town of 840 in California, with a median household income of $250,001 . Its cost of living index is 107 (US average = 100), which is 7% above the national average.

Strengths: Waterloo's profile is close to national averages across most measures.

Trade-offs: Potential downsides include high home prices. Whether Waterloo is right for you depends on your priorities — the full breakdown is below.

All Waterloo city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 107.4

Waterloo's overall cost of living index is 107.4, where 100 represents the US national average. Living in Waterloo costs roughly 7% more than the average American city.

Metric	Waterloo, CA	National Avg
Median Home Value	$867,000	$244,900
Median Monthly Rent	$1,887	$1,163
Homeownership Rate	33.0%	65.9%
Median Household Income	$250,001	$74,755

Crime & Safety

Higher than Average

Waterloo's violent crime rate is 701.3 per 100,000 residents — 85% higher than the national average of ~380 per 100,000.

Violent Crime

701.3 /100k

Property Crime

1911.0 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Waterloo is served primarily by Linden Unified. The student-to-teacher ratio is 21.5:1 (slightly above the national average of ~16:1).

Metric	Waterloo, CA	National Avg
School District	Linden Unified	—
Elementary Schools	3	—
Middle Schools	1	—
High Schools	2	—
Student/Teacher Ratio	21.5:1	16:1
Bachelor's Degree or Higher	24.2%	35.4%
High School Diploma or Higher	93.6%	91.1%

Weather & Climate

Waterloo sees average highs of 56.7°F in January and 92.4°F in July, with 17.1 inches of annual precipitation .

Metric	Waterloo, CA
Average High — January	56.7°F
Average High — July	92.4°F
Annual Precipitation	17.1"
Annual Snowfall	Trace / None

Demographics

Metric	Waterloo, CA	National Avg
Population	840	—
Median Age	53.1	38.9
Unemployment Rate	0.0%	3.7%
Avg Commute Time	28.5 min	26 min
White (non-Hispanic)	85.5%	59.3%
Black or African American	0.0%	13.6%
Hispanic or Latino	2.0%	18.9%
Asian	1.1%	6.3%
Under 18	14.3%	22.2%
65 and over	15.1%	16.8%

Nearby Cities

Morada, CA 3 mi Linden, CA 5 mi Garden Acres, CA 6 mi August, CA 6 mi Victor, CA 7 mi

ZIP Codes in Waterloo

Waterloo, CA is covered by 1 ZIP code:

95215

Waterloo vs Other Cities

Waterloo, CA vs Morada, CA Waterloo, CA vs Linden, CA Waterloo, CA vs Garden Acres, CA Waterloo, CA vs August, CA Waterloo, CA vs Victor, CA

Frequently Asked Questions

Is Waterloo, CA affordable or expensive?

Waterloo's cost of living index is 107, where 100 is the national average. That puts Waterloo roughly 7% above the national average in cost. The median home price is $867,000 and median rent is $1,887/month.

What is the crime rate in Waterloo, CA?

Waterloo's violent crime rate is 701.3 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1911.0 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Waterloo?

Public schools in Waterloo are operated by Linden Unified. The district has 3 elementary, 1 middle, and 2 high schools. The student-to-teacher ratio is 21.5:1. 24.2% of adults 25+ hold a bachelor's degree or higher.

Is Waterloo, CA a good place to live?

Waterloo, CA has a population of 840, a median household income of $250,001, and an unemployment rate of 0.0%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Waterloo?

Waterloo averages 56.7°F in January and 92.4°F in July. Annual rainfall is 17.1 inches . Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Waterloo?

Waterloo, CA is covered by 1 ZIP code: 95215.

What is the population of Waterloo?

The population of Waterloo, California is 840 with a median age of 53.1. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Waterloo?

Key numbers for living in Waterloo: cost of living index 107 (100 = US average), median home $867,000, median household income $250,001, crime index 147 (100 = US average, lower is safer), schools rated C+. Whether these are benefits or drawbacks depends on where you're coming from — compare Waterloo side by side with your current city to see the trade-offs.