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Market Intelligence · IA / Black Hawk County

Waterloo, IA home prices and housing market

3 ZIP markets liveData updated September 2026Typical value$150K1-yr changeDown0.9%

The typical home value in Waterloo, IA is $150K as of September 2026, down 0.9% from a year ago, based on the Zillow Home Value Index. In the typical Waterloo ZIP code, the median list price is $178K and homes spend a median of 49 days on market as of September 2026 (Realtor.com).

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The coverage

Waterloo, by the numbers.

Typical home valueZillow ZHVI, September 2026
$150K
1-yr changeMedian across Waterloo ZIPs
-0.9%
ZIP markets live4 tracked in Waterloo
3
County
Black Hawk County

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12-month value trend

-0.9% over 12 months

Typical home value in Waterloo over the last 12 months: $151K in Sep 2025 to $150K in Sep 2026 (-0.9%).

Sep 2025$151K

Sep 2026$150K

Median Zillow home value index across Waterloo's ZIP codes.

Context

In Waterloo, the typical home value is $149,921, down 0.9% over the past year as of September 2026. The median list price stands at $177,695, with 175 homes currently for sale and 80 new listings added that month. Homes are spending a median of 49 days on the market, and 23.8% of listings have seen a price cut. The combination of price decline, elevated inventory, and frequent reductions suggests a buyer-friendly environment where sellers may need to be realistic about timing and pricing.

The numbers

What is the housing market like in Waterloo, IA?

Typical home value

$150K

Down0.9%YoY

Median list price

$178K

Days on market

49

Homes for sale

175

Price cuts

23.8%

New listings

80

Sources · Zillow ZHVI (September 2026) / Realtor.com (September 2026)

Figures reflect Waterloo's ZIP codes with market data: values and listing medians take the median across ZIPs; inventory and new listings are summed.

Prices over time

Waterloo, IA home prices over time

Typical home values in Waterloo, IA are down 0.9% over the past year, from $151K in September 2025 to $150K in September 2026.

Typical home value in Waterloo, IA, September of each year
MonthTypical value1-yr change
September 2026$149,921-0.9%
September 2025$151,341No prior year

Typical value is the median Zillow Home Value Index across Waterloo ZIP codes, taken in September of each year so every row compares the same month.

Market balance

Is Waterloo, IA a buyer's or seller's market?

Waterloo, IA is roughly balanced between buyers and sellers.

These measures sit between the ranges that usually favor one side, so pricing and condition matter more than market direction.

Based on a median of 49 days on market and 24% of listings with a price cut in the typical Waterloo ZIP code, and 80 new listings against 175 active listings across Waterloo, as of September 2026 (Realtor.com).

The outlook

Waterloo housing market forecast 2027

+2.2%

Weighted average of Zillow's ZIP forecasts, 12 months to September 2027

A weighted average of Zillow's ZIP forecasts, across 3 Waterloo ZIP codes, points to typical home values rising 2.2% by September 2027.

Over the 12 months through September 2026, typical home values in Waterloo fell 0.9%, per the Zillow Home Value Index.

Will home prices drop in Waterloo?

The forecasts do not call for a drop: a weighted average of Zillow's ZIP forecasts for Waterloo shows typical home values rising 2.2% by September 2027, after a 0.9% decline over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

How this is calculated: each ZIP code's 12-month Zillow forecast is weighted by its typical home value (Zillow Home Value Index, September 2026). 3 Waterloo ZIP codes have both figures.

Forecast: a weighted average of Zillow's ZIP forecasts (Zillow Home Value Forecast, published October 2026), calculated by Home Value Pros. A forecast, not a guarantee.

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Live markets

What ZIP codes are live in Waterloo?

Typical value is the Zillow home value index (ZHVI) for each ZIP, as of September 2026. 1-yr change compares it to the same ZIP a year earlier. We track 4 Waterloo ZIP codes in total; the remaining 1 publish as their data clears editorial QA.

Zillow ZHVI, September 2026

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Common questions

Questions about Waterloo, IA home prices.

What is the typical home value in Waterloo?

The typical home value in Waterloo is $149,921 as of September 2026, which represents a decline of 0.9% over the past year.

How many homes are currently for sale in Waterloo?

There are 175 homes for sale in Waterloo as of September 2026, with 80 new listings added that month.

How long do homes typically stay on the market in Waterloo?

The median days on market in Waterloo is 49 days as of September 2026, and 23.8% of listings have received a price cut.

Are home prices going up or down in Waterloo, IA?

Typical home values in Waterloo, IA are down 0.9% over the past year, based on the Zillow Home Value Index as of September 2026.

Is Waterloo, IA a buyer's or seller's market?

Waterloo, IA is roughly balanced between buyers and sellers. These measures sit between the ranges that usually favor one side, so pricing and condition matter more than market direction. Based on a median of 49 days on market and 24% of listings with a price cut in the typical Waterloo ZIP code, and 80 new listings against 175 active listings across Waterloo, as of September 2026 (Realtor.com).

Nearby markets

More Iowa housing markets.

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