Market Overview
Home Prices in Waterloo, NY
The median home value in Waterloo, NY is $190,410 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4% compared to a year ago and up 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waterloo are priced54% below average. Waterloo is part of the Seneca Falls, NY metro area.
Price History
Waterloo Home Price Trend
2024
$178,051
$178K
—
2025
$183,013
$183K
+2.8%
2026
$190,410
$190K
+4.0%
City Comparison
Waterloo vs. National Median
🏠 Waterloo
$190,410
National Median
$410,000
At $190,410, homes in Waterloo cost 54% below the national median of $410,000. This makes Waterloo a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Waterloo?
20% Down Payment
$38,082
on $190,410
Monthly P&I
$993/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,261/mo
incl. taxes & insurance
Income Needed
$50,440
gross annual (30% rule)
10% Down Option
$19,041
+ PMI applies
Loan Amount (20% dn)
$152,328
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Waterloo, NY?
The median home value in Waterloo is $190,410 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4% year-over-year.
How much have home prices changed in Waterloo?
Over the past year, home values in Waterloo have increased by 4%.
How much do I need to earn to buy a home in Waterloo?
To comfortably afford the median home price of $190,410 with a 20% down payment ($38,082) at today's rates (6.8%), you'd need a gross annual income of approximately $50,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Waterloo compare to the national average home price?
The national median home value is approximately $410,000. At $190,410, homes in Waterloo are 54% below the national average.
What metro area is Waterloo part of?
Waterloo is part of the Seneca Falls, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.