Waterloo is located in Seneca county New york with a geographic area of 2.2 square miles. The total population in Waterloo is 4,707 with 45.8% male and 54.2% female. Children under age 5 represent 4.0% of the population, under age 18 equal 18.0% of the population and over age 65 is 23.0% of the population. The median household income is $58,255, per capita income is $30,224. There are a total of 1,955 housing units with 74.9% owner occupied. Education includes 30.2% of residents that are high school graduates and 18.3% with a bachelor's degree or higher. The average temperature in Waterloo in the summer is 70 degrees, and in the winter 27 degrees.