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.
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Home Value$318,226
+7.3%
Rent$1,350/mo
AFFORDABILITYRenting $1,000/mo cheaper ($1,350 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.
Enter your income for Waterloo.
$63,645 on $318,226
Out of reach — 37.6% of income
Need $100,714/yr to afford.
PITI$2,350
P/I37.6%
Afford$237K
Gap-$81K
P&I $1,609Tax $591Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Illinois
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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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