Median home value in zip code 62298 (Waterloo, IL) is $324,018, up 6.9% year over year. Part of the St. Louis, MO-IL metropolitan area.

Home Value$324,018

YoY Change

+6.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 62298 (Waterloo).

Income (annual)

Down Payment

$64,804 on $324,018

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

Stretch32.9% of income

Above 28% but manageable with cuts.

PITI$2,058

P/I32.9%

Afford$276K

Gap-$48K

P&I $1,638Tax $270Ins $150

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

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

Metro Analysis

62298 is part of the St. Louis, MO-IL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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