House Prices

House Prices & Home Values Waterloo, IL 2026


Average Data

average house price$299,997
average size per house1620 ft²
average price per ft²186 $ / ft²

04/21/2026 - The value range (VR) for house prices in Waterloo, IL is $182/ sqft to $182/ sqft. An average home with 1620 sqft costs approximately $294,840 to $294,840. Waterloo, IL includes 1 ZIP codes and it is located in Monroe county. The lowest prices are found in ZIP 62298, while the highest are in ZIP 62298. The average price per sqare feet is $186. Our analysis is based on 14 property listings.

Avergage prices by ZIP codes Waterloo

62298166 $ / ft²




Historical development of home values in Waterloo

Year Estimated value (USD) Change vs. 2025
2010 $139,324 -53.6%
2011 $133,936 -55.4%
2012 $133,576 -55.5%
2013 $138,568 -53.8%
2014 $145,459 -51.5%
2015 $152,924 -49.0%
2016 $160,905 -46.4%
2017 $169,589 -43.5%
2018 $178,965 -40.3%
2019 $187,264 -37.6%
2020 $196,944 -34.4%
2021 $224,003 -25.3%
2022 $261,137 -13.0%
2023 $275,381 -8.2%
2024 $291,312 -2.9%
2025 $299,997 0.0%

Graph: estimated home values in Waterloo over time (USD)



Example: 100% financing house in Waterloo

Loan amount: $299,997

Interest rate: 6.00%

Fixed monthly payment: $1,798.63

Breakdown in the 1st month:
Interest portion: $1,499.99  –  Principal portion: $298.65

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $17,899.60 $3,684.00 $296,313.00
2 $17,672.38 $3,911.22 $292,401.78
3 $17,431.15 $4,152.45 $288,249.33
4 $17,175.03 $4,408.57 $283,840.76
5 $16,903.12 $4,680.48 $279,160.28
6 $16,614.44 $4,969.16 $274,191.12
7 $16,307.95 $5,275.65 $268,915.47
8 $15,982.56 $5,601.04 $263,314.43
9 $15,637.10 $5,946.50 $257,367.93
10 $15,270.34 $6,313.27 $251,054.66
11 $14,880.95 $6,702.65 $244,352.01
12 $14,467.54 $7,116.06 $237,235.95
13 $14,028.64 $7,554.96 $229,680.99
14 $13,562.67 $8,020.94 $221,660.05
15 $13,067.95 $8,515.65 $213,144.40
16 $12,542.73 $9,040.88 $204,103.53
17 $11,985.11 $9,598.50 $194,505.03
18 $11,393.09 $10,190.51 $184,314.52
19 $10,764.56 $10,819.04 $173,495.47
20 $10,097.27 $11,486.34 $162,009.14
21 $9,388.82 $12,194.79 $149,814.35
22 $8,636.67 $12,946.94 $136,867.42
23 $7,838.13 $13,745.47 $123,121.94
24 $6,990.34 $14,593.26 $108,528.68
25 $6,090.26 $15,493.35 $93,035.33
26 $5,134.66 $16,448.94 $76,586.39
27 $4,120.13 $17,463.48 $59,122.91
28 $3,043.02 $18,540.58 $40,582.33
29 $1,899.48 $19,684.13 $20,898.20
30 $685.40 $20,898.20 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Waterloo, IL


1500 sqft3900 sqft
Ø selling price$337,590$718,146
Ø fast selling$306,900$646,332
Ø high price sale$368,281$789,961

In 2026, houses in Waterloo, IL will be offered at an average price of $186 per square foot. A 1,500 sqft home priced at $337,590 is 20.93% more expensive per square foot than a 3,900 sqft home priced at $718,146. Home prices in Waterloo, IL vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $497,179. Sellers who can wait longer may achieve a higher price of up to $607,662.


Discover Waterloo, IL

Waterloo, IL is a welcoming Monroe County city blending small-town warmth with convenient access to regional amenities.

History and Community

Rooted in early Midwestern history and strong German heritage, its historic downtown showcases preserved architecture and community pride. Local traditions, seasonal festivals, and farmers markets bring neighbors together throughout the year.

Things to Do

Visitors and residents enjoy parks like Konarcik Park, sports fields, and scenic greenways for walking and biking.
Boutiques, cafes, and local breweries complement family-friendly entertainment and arts programming downtown. A short drive to St. Louis adds big-city museums, sports, and job opportunities while keeping a relaxed pace at home.

Living in Waterloo

Waterloo?s highly regarded schools and active clubs support students and lifelong learners. Housing options range from charming historic homes to modern subdivisions, offering value-driven real estate in a safe, friendly environment. The local economy spans healthcare, light manufacturing, agriculture, and retail, with entrepreneurs thriving in a supportive business climate. Whether you are relocating, starting a business, or planning a visit to Waterloo, IL, you will find history, open space, and welcoming community spirit in the heart of Monroe County.



FAQ – Home Values in Waterloo

What is the median home value in Waterloo in 2026?

In 2026, the typical home value in Waterloo is about $299,997 for an average home size of 1620 square feet. This corresponds to an average price of roughly $186 per square foot.

What is the average cost per square foot in Waterloo?

In 2026, homes in Waterloo sell for an average of around $186 per square foot, with a typical range between $182 and $182 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Waterloo is about 1620 square feet, with an estimated 2026 value around $299,997.



Locations close to Waterloo, IL

Quincy, IL80 $ / ft²
Augusta, IL54 $ / ft²
Barry, IL49 $ / ft²
Walsh, IL92 $ / ft²
Valmeyer, IL85 $ / ft²
Troy, IL162 $ / ft²
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