The median home in Waterloo, New York is valued at $174,126, up 1.9% year over year. Waterloo is part of the Seneca Falls, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$174,126

+1.9%

Prices rising — worse for buyers.

Affordability

Enter your income for Waterloo.

Income (annual)

Down Payment

$34,825 on $174,126

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

Affordable20.5% of income

Under the 28% guideline.

PITI$1,280

P/I20.5%

Afford$238K

Room+$64K

P&I $880Tax $250Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Other cities in New York

Compare Waterloo with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Seneca Falls, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Seneca Falls, NY metro.

View Seneca Falls, NY metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Waterloo, NY