The median home in Waterloo, Illinois is valued at $318,226, up 7.3% year over year. Typical monthly rent is $1,350, producing a price-to-rent ratio of 19.6x — near the national average of 18x. Waterloo is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$318,226

+7.3%

Rent$1,350/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Waterloo.

Income (annual)

Down Payment

$63,645 on $318,226

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

Out of reach37.6% of income

Need $100,714/yr to afford.

PITI$2,350

P/I37.6%

Afford$237K

Gap-$81K

P&I $1,609Tax $591Ins $150

Renting $1,000/mo cheaper ($1,350 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

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

Other cities in Illinois

Compare Waterloo with other housing markets across Illinois.

Kenilworth$1.93M Winnetka$1.73M Glencoe$1.51M Bannockburn$1.22M Golf$1.19M Hinsdale$1.18M Lake Forest$1.14M South Barrington$1.08M

Full St. Louis, MO-IL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Louis, MO-IL metro.

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Waterloo, IL