Photo: Doug Kerr from now in Binghamton, NY · CC BY-SA 2.079 homes sold in Waterloo in the last year, at a typical $203K
Redfin reports Waterloo’s sales by ZIP code, so these figures are for ZIP 13165, which takes in Waterloo and the area around it. Almost every sale is a house. Below: what each kind of home sells for, what your budget buys, the best months to buy, how hard you’ll have to bid, and a shortcut to every site where Waterloo homes are listed.
Every place Waterloo homes are listed, in one stop
We don’t copy listings: the agents’ sites have the photos and the latest price changes. Set what you want once and we open each site already filtered to Waterloo.
For sale
Rent
New, land & open houses
Links open the listing sites; TownRatings isn’t paid for them and doesn’t rank one above another. Rentals and government-owned homes come from sources outside the MLS.
Houses are 94% of Waterloo’s sales, at a typical $208K
79 homes sold in the year to May 2026.
typical sale · 74 sold in 12 months
- Per square foot
- $128NY $316
- Days to sell
- 23
- Sold over asking
- 41%
About as many homes sell as usual, at 2.4 times the 2016 price
79 sales in the last year, against 98 in 2017 and a low of 60 in 2012. The typical sale went from $85K in 2016 to $203K.
Source: Redfin Data Center, MLS sales; for ZIP 13165, which takes in Waterloo and the area around it (each month is a 3-month rolling window, its counts divided by 3). Typical price and $/sq ft are the monthly medians, weighted by sales.
What $200K buys in Waterloo
Check a listing against what Waterloo homes sold for
Against the town’s median price per square foot over the last 12 months. A rough check: condition, lot and location within town move a price more than this can see.
Bidding wars in Waterloo are more common than before the pandemic, but two thirds fewer homes come up for sale
We read every month of home sales in ZIP 13165 since 2012 so you don’t have to. Each figure covers 12 months, because a single month in a town is too few sales to mean much. Latest: the year to May 2026, 79 sales.
If you’re buying in Waterloo
- Shop in May. It brings about 9 new listings a month, close to the busiest month, with fewer bidding wars (28% over asking).
- Bid near asking. Buyers paid 98.9% of the list price on average; 40% paid over.
- You’ll usually have time. Only 42% of homes go under contract within two weeks; the typical one takes 25 days.
Fall brings the homes; summer brings the bidding wars
September has the most new listings (about 10 a month), but August is the most competitive: 37% of August sales close over asking. May and June offer nearly as much choice with fewer homes bid up (28%). January has the least competition (24%) but only about 5 new listings.
Averages for each calendar month, 2015 on.
Nearly as heated as 2021, and about like New York as a whole
| Waterloo now | 2017–19 | 2021 peak | NY now | |
|---|---|---|---|---|
| Sold over askingShare of sales that closed above the list price | 40% | 25% | 39% | 41% |
| Gone within two weeksShare of homes under contract within 14 days | 42% | 0% | 18% | 26% |
| Listings with a price cutShare of homes for sale that cut their price | — | — | — | 20% |
| Price paid vs. askingAverage sale price ÷ list price | 98.9% | 95.7% | 99.4% | 101% |
| Days to sellMedian days from listing to contract | 25 | 115 | 93 | 41 |
12 homes for sale on a typical day
That’s 1.5 times the 2024 low (8), 69% fewer than in 2017–19 and well under 2014’s 56.
Source: Redfin Data Center, ZIP code tracker; for ZIP 13165, which takes in Waterloo and the area around it (each month is a 3-month rolling window, its counts divided by 3), January 2012 to May 2026 (MLS sales, not seasonally adjusted). Ratios are weighted by homes sold; price cuts by homes for sale.
Owning the typical Waterloo home costs about $1,548 a month
Price: Waterloo’s typical sale, last 12 months. Property tax at Waterloo’s 2.9% (median bill ÷ median value, Census ACS); insurance at 0.35% of price a year. Before PMI, HOA dues, upkeep and the tax deduction. Whether Waterloo is affordable on local pay is on Cost of living.
Six things worth knowing
New listings in September
The month with the most choice. February has the fewest, about 5.
Best time to buyProperty tax, a year
Of a home’s value: the median bill over the median home value. On a $203K home, about $5,870 a year.
Taxes vs. neighborsSchools
The schools grade for Waterloo, from test results, graduation and how much students grow.
Schools in WaterlooTypical commute
The average one-way trip to work for people who live in Waterloo.
Work & commuteCheck the flood map
Flood insurance isn’t in a standard policy, and lenders require it in FEMA flood zones. Check the address before you make an offer.
Natural hazardsLook up any property
Assessed value, lot size and every past sale of a home you’re eyeing are public, at the town or county assessor and the registry of deeds.
Waterloo, Geneva, Seneca Falls, Galen and Newark sell for less a square foot; Aurelius for far more
The busier markets within 25 miles of Waterloo, by what sold. Prices, taxes and how far a paycheck goes next door are on Cost of living.
| Sold | Typical sale | $/sq ft | Over asking | Days to sell | |
|---|---|---|---|---|---|
| Geneva | 113 | $188K | $119 | 25% | 39 |
| Newark | 87 | $195K | $119 | 56% | 16 |
| Waterloo (ZIP 13165) | 79 | $203K | $125 | 40% | 25 |
| Seneca Falls | 61 | $175K | $111 | 41% | 32 |
| Waterloo | 48 | $184K | $102 | 29% | 32 |
| Galen | 26 | $134K | $87 | 38% | 47 |
| Aurelius | 24 | $279K | $165 | 21% | 64 |
Redfin Data Center, June 2025 to May 2026. Towns with fewer than 20 sales are left out, and Redfin doesn’t report every town separately.
Post your home to Waterloo, free
Selling it yourself, renting out an apartment or looking for a roommate? Post it to Waterloo. People who follow the town see it, and so do people comparing Waterloo with their own town. No commission, no listing fee.
Questions about buying a home in Waterloo
What do homes sell for in Waterloo, NY?
79 homes sold in the year to May 2026 at a typical $203K, $125 a square foot.
Is Waterloo a buyer’s or seller’s market?
A seller’s market: 8 homes were for sale in May 2026 and 2 sold, about 3 months of supply. Buyers paid 98.9% of asking on average.
When is the best time to buy in Waterloo?
September brings the most new listings. The sales history shows which months have fewer bidding wars.
How much are property taxes in Waterloo?
About 2.9% of a home’s value a year. On a $203K home that’s near $5,870.
Where can I see homes for sale in Waterloo?
Zillow, Redfin, Realtor.com and Homes.com all carry Waterloo’s MLS listings; the search links above open each one filtered to Waterloo.
Sales, prices, days on market and listings: Redfin Data Center (MLS, monthly, not seasonally adjusted; for ZIP 13165, which takes in Waterloo and the area around it (each month is a 3-month rolling window, its counts divided by 3)). Property tax rate: Census American Community Survey. Two-bedroom rent: HUD Fair Market Rent. Typical home value: Zillow Home Value Index. Schools grade: TownRatings (how grades work).