Skip to main content

Area data

Waterloo, NY — ZIP 13165

Population: 9,458 (Census ACS)

The median home value in ZIP 13165 (Waterloo, NY) is $188,936 — up 3.9% over the past year. Homes sell for a median $181,500 after a median 35.5 days on market. 4 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with drought, icestorm the top-rated hazards. Cost of living is 15.5% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$188,936

Median home value

+3.9%

1-year change

35.5

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$188,936
1-year appreciation
+3.9%
3-year appreciation
+14.2%
5-year appreciation
+32.4%
10-year appreciation
+93.9%
All-time peak (2026-07)
$188,936
House Price Index (state)
420.6 (+5.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$181,500
Median list price
$229,900
Median price per sqft
$135
1-year sale-price change
-5.0%
Median days on market
35.5 days
Homes sold (recent period)
8
For-sale inventory
12
Sale-to-list ratio
102.6%
Active listings
5
1-year forecast
+3.0%
New listings (monthly)
8

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,102/mo
1BR fair-market rent
$1,377/mo
2BR fair-market rent
$1,681/mo
3BR fair-market rent
$2,185/mo
4BR fair-market rent
$2,521/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (High)
115.5 (100 = US avg)
Electricity rate (state-level)
26.4¢/kWh
Natural gas rate (state-level)
$17.60/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
4
Elementary schools
2
Middle schools
1
High schools
1
Schools include
WATERLOO HIGH SCHOOL, LA FAYETTE SCHOOL, WATERLOO MIDDLE SCHOOL, SKOI-YASE SCHOOL

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
drought, iceStorm
Notable hazard ratings (county)
drought: Relatively Moderate · hail: Relatively Low · hurricane: Relatively Low · iceStorm: Relatively Moderate · inlandFlooding: Relatively Low · lightning: Relatively Low
FEMA flood zone
B
Flood risk level
Moderate
Wildfire risk to homes (county)
Higher than 5% of US counties
Buildings in wildfire direct-exposure zone
59.1%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Seneca Army Depot (11.6 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
47.0°F
Average high
56.0°F
Average low
39.0°F
Annual precipitation
35.6 in
Annual snowfall
48.3 in
USDA plant hardiness zone
6b (extreme annual low -5 to 0°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
5.8 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
8,368
Jobs reachable by transit (45 min)
8,120

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
2
Nearest national park
Women's Rights National Historical Park (3 mi)
National parks include
Women's Rights National Historical Park, Harriet Tubman National Historical Park
Airports within 30 mi
38
Nearest airport
Horizon Air Airport (5 mi)
Nearest major airport
Ithaca Tompkins Regional Airport (ITH) (37 mi)
Hospitals nearby (~15 mi)
4
Hospitals include
NEWARK-WAYNE COMMUNITY HOSPITAL, GENEVA GENERAL HOSPITAL, AUBURN COMMUNITY HOSPITAL
Avg hospital rating (CMS)
1.7 / 5
Best hospital rating nearby (CMS)
2.0 / 5
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-168 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,961
Housing built before 1970
56.7%
Housing built 2000 or later
9.8%
Median annual property tax
$3,458
Mean commute to work
19 min
Households with broadband internet
73.5%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
7,908
Average weekly wage
$1,011
Top industries (by employment)
Accommodation & Food, Wholesale Trade, Construction
Annual residential building permits (county)
48

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 13165State medianUS median
Median home value$188,936$332,036$289,727
Median sale price$181,500$363,950$325,000
Median days on market36 days55 days51 days
Median annual property tax$3,458$4,500$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 13165?
$188,936.
What is the median sale price in ZIP 13165?
$181,500.
How long do homes take to sell in ZIP 13165?
Median days on market: 35.5 days.
What is typical rent in ZIP 13165?
2-bedroom fair-market rent: $1,681/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 13165?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: drought, iceStorm.
Is ZIP 13165 in a flood zone?
Moderate (FEMA NFIP). FEMA flood zone B.
What is the wildfire risk in ZIP 13165?
Risk to homes is higher than 5% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 13165?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 13165?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 13165?
4 schools (2 elementary, 1 middle, 1 high) (NCES, 2022-23).
Is ZIP 13165 walkable?
Walkability index: 5.8/20 (EPA Smart Location Database).
What is the cost of living in ZIP 13165?
Regional Price Parity: 115.5 (100 = US average) (High) (BEA RPP, metro/state-level).

Nearby ZIP codes

Selling a home in Waterloo, NY?

REAIGENT7 gives every listing its own AI assistant grounded in this same public data — it answers buyer questions about the home and the area, around the clock, and sends every lead to the listing agent. Agents: it installs on your listing page, your website, or WordPress.

Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents