The median home in Waterloo, Iowa is valued at $143,092, up 2.1% year over year. Typical monthly rent is $850, producing a price-to-rent ratio of 14x — below the national average of 18x. Waterloo is part of the Waterloo-Cedar Falls, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$143,092

+2.1%

Rent$850/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Waterloo.

Income (annual)

Down Payment

$28,618 on $143,092

Example: $75,000 household income. Change it above to see your own.

Affordable17% of income

Under the 28% guideline.

PITI$1,061

P/I17%

Afford$236K

Room+$93K

P&I $724Tax $187Ins $150

Renting $211/mo cheaper ($850 rent)6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Iowa

Compare Waterloo with other housing markets across Iowa.

West Okoboji$794K Orleans$629K Wahpeton$550K Shueyville$525K Cumming$508K Panora$474K Honey Creek$441K Ackworth$437K

Full Waterloo-Cedar Falls, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Waterloo-Cedar Falls, IA metro.

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Waterloo, IA