Skip to main content

Area data

Waterloo, IL — ZIP 62298

Population: 18,208 (Census ACS)

The typical home value in ZIP 62298 (Waterloo, IL) is $333,788 — up 3.0% over the past year. Homes sell for a median $337,500 after a median 46 days on market. 5 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with heat wave, strong wind the top-rated hazards. Cost of living is at the US average (BEA, metro/state-level).

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

$333,788

Typical home value

+3.0%

1-year change

46

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Typical home value
$333,788
1-year appreciation
+3.0%
3-year appreciation
+16.4%
5-year appreciation
+29.1%
10-year appreciation
+66.7%
Peak value since 2000 (Apr 2026)
$336,602
House Price Index (state)
340.3 (+5.5% YoY)

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

Market activity

Median sale price
$337,500
Median list price
$372,950
Median price per sqft
$158
1-year sale-price change
+0.4%
Median days on market
46 days
Homes sold (recent period)
79
For-sale inventory
42
Sale-to-list ratio
98.0%
Active listings
38
1-year forecast
+2.7%
Days to pending
60 days
New listings (monthly)
21

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

Rents

Studio fair-market rent
$1,064/mo
1BR fair-market rent
$1,104/mo
2BR fair-market rent
$1,349/mo
3BR fair-market rent
$1,731/mo
4BR fair-market rent
$1,997/mo

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

Affordability

Cost of living index (Above Average)
100.0 (100 = US avg)
Electricity rate (state-level)
17.7¢/kWh
Natural gas rate (state-level)
$11.30/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

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

Schools

Total schools
5
Elementary schools
3
Middle schools
1
High schools
1
Avg student-teacher ratio
16.4 : 1
Schools include
Rogers Elem School, Waterloo Junior High School, Waterloo High School, W J Zahnow Elem School, Gardner Elementary School

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
heat wave, strong wind
Notable hazard ratings (county)
heat wave: Relatively Moderate · strong wind: Relatively Moderate · hail: Relatively Low · drought: Relatively Low · tornado: Relatively Low · cold wave: Relatively Low
Most common flood zone among NFIP claims
Zone A19
NFIP flood claims on record
29
Wildfire risk to homes (county)
Higher than 15% of US counties
Buildings in wildfire direct-exposure zone
34.1%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Sauget Area 1 (19 mi — proposed for listing)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

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

Climate (30-year normals)

Annual precipitation
44.7 in
USDA plant hardiness zone
7a (extreme annual low 0 to 5°F)

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

Walkability & transit

Walkability index
10.2 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
36,756
Jobs reachable by transit (45 min)
34,845

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
3
Nearest national park
Ulysses S Grant National Historic Site (20 mi)
National parks include
Ulysses S Grant National Historic Site, Gateway Arch National Park, Ste. Geneviève National Historical Park
Airports within 30 mi
26
Nearest airport
Flight Park Inc Airport (8 mi)
Nearest major airport
Scott AFB/Midamerica Airport (BLV) (24 mi)
Hospitals in or near this ZIP
39
Hospitals include
TOUCHETTE REGIONAL HOSPITAL INC, GATEWAY REGIONAL MEDICAL CENTER, ST JOSEPHS HOSPITAL
Avg hospital rating (CMS)
3.6 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.2 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
+93 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1991
Housing built before 1970
32.9%
Housing built 2000 or later
31.5%
Median annual property tax
$4,556
Mean commute to work
26 min
Households with broadband internet
78.4%

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

Employment & development

Total county employment
7,232
Average weekly wage
$1,000
Top industries (by employment)
Accommodation & Food, Health Care, Finance & Insurance
Annual residential building permits (county)
65

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

How it compares

ZIP 62298State medianUS median
Typical home value$333,788$194,869$288,527
Median sale price$337,500$212,000$325,000
Median days on market46 days48 days51 days
Median annual property tax$4,556$2,696$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 typical home value in ZIP 62298?
$333,788.
What is the median sale price in ZIP 62298?
$337,500.
How long do homes take to sell in ZIP 62298?
Median days on market: 46 days.
What is typical rent in ZIP 62298?
2-bedroom fair-market rent: $1,349/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 62298?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: heat wave, strong wind.
Is ZIP 62298 in a flood zone?
Flood zones vary by property within ZIP 62298. 29 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A19. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 62298?
Risk to homes is higher than 15% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 62298?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 62298?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 62298?
5 schools (3 elementary, 1 middle, 1 high) (NCES, 2024-25).
Is ZIP 62298 walkable?
Walkability index: 10.2/20 (EPA Smart Location Database).
What is the cost of living in ZIP 62298?
Regional Price Parity: 100.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

Listing a home in Waterloo, IL?

REAIGENT7 gives every listing its own AI assistant grounded in this same public data — it answers buyer and renter 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: Oct 2026. See all data sources →

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