Waterloo is a town in Seneca County, New York, home to about 7,324 people across 22 square miles. Its ZIP code is 13165, and parts of 14456 are in Waterloo too.
Homes sold for a median of $125 per square foot in the three months ending August 2026, a seller’s market.
Mostly Waterloo; also Seneca Falls and Fayette
Mostly Geneva City; part is in Waterloo
Each card is that ZIP code’s whole market, including any part outside Waterloo. Seller’s market: under 4 months of supply; buyer’s market: over 6. Methodology
We’re writing up Waterloo’s story and what everyday life there is like, for people thinking about moving in.
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| Nearest major airport | Syracuse Hancock International Airport (SYR)42 miles away |
|---|---|
| Closer regional airport | Ithaca Tompkins Regional Airport (ITH)36 miles away |
| Nearest city of 250,000+ | Buffalo, NY100 miles away |
| Nearest city of 1 million+ | New York, NY217 miles away |
Straight-line distances from the center of Waterloo; driving is longer.
Source: Airports from OurAirports (scheduled passenger service); city centers and populations from the U.S. Census Bureau.
Source: Members of Congress from the congress-legislators project; districts from the Census Bureau’s relationship files; governor and mayor from Wikidata.
Waterloo had 7,378 residents in the 2020 census, down 6% since 2000.
It’s the 270th largest of 1,007 towns in New York by population.
Seneca County grew from 28,114 residents in 1900 to 33,814 in 2020.
Seneca County, 1900–2020
Source: U.S. Census Bureau decennial censuses (counties 1900–1990 from the Bureau’s historical county file).
Average highs peak around 79°F in summer, and winter lows average 16°F. About 34.7 inches of rain and melted snow fall in a typical year, with about 57 inches of snow.
Source: NOAA 1991–2020 climate normals, Geneva Rsch Farm, NY weather station (7 miles away).
8,767 jobs at 689 businesses in Seneca County. The biggest industries by employees:
Source: U.S. Census Bureau County Business Patterns 2023 (private employers; jobs counted where people work).
112 doctors and other health care providers list an office in Waterloo.
Nearest hospitals
Providers with an office here
| Primary care doctors | 7 |
|---|---|
| Specialist doctors | 2 |
| Dentists | 5 |
| Nurse practitioners and physician assistants | 14 |
| Mental health providers | 64 |
| Physical and occupational therapists | 13 |
| Chiropractors | 7 |
| Pharmacies | 4 |
Source: Hospitals from CMS Hospital General Information (ratings are CMS overall star ratings); straight-line distances; providers from the CMS National Plan and Provider Enumeration System (NPPES), by practice address and primary specialty.
Parks (5 nearby)
Grocery stores (4 nearby)
Pharmacies (2 nearby)
Libraries (1 nearby)
Museums (1 nearby)
Theaters and performance venues
Counts are within about 3 miles of the center of town.
Source: Map data © OpenStreetMap contributors (openstreetmap.org/copyright), as mapped by volunteers; it can miss places or include closed ones.
Established in 1800.
Notable people born here
Source: Wikidata (wikidata.org), the free knowledge base; people are listed by place of birth.
Public schools here are run by Waterloo Central School District. Check each district’s attendance zones for a specific address.
| School | Grades | Students | Type | Distance |
|---|---|---|---|---|
| Skoi-Yase SchoolWaterloo | Pre-K–2 | 345 | Public | 1.4 mi |
| La Fayette SchoolWaterloo | 3–5 | 309 | Public | 2.0 mi |
| Waterloo Middle SchoolWaterloo | 6–8 | 356 | Public | 1.3 mi |
| Waterloo High SchoolWaterloo | 9–12 | 404 | Public | 1.3 mi |
Source: U.S. Department of Education, NCES: Common Core of Data (2024-2025) for public schools. Listed by address; we don’t rate schools.
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Shares ZIP codes with Geneva City, Geneva Town, Seneca Falls, Fayette, Seneca, Phelps, Junius and Tyre.
Town boundaries don’t always match ZIP codes: a ZIP code can cross into neighboring towns, and a town can share a ZIP code with its neighbors. Facts describe the town itself; market figures describe whole ZIP codes.