Is Waterloo, NY 13165 a buyer’s or seller’s market?
Waterloo is a seller’s market. With about 2.3 months of supply and 44% of recent sales closing above the original list price, competing offers are common on well-priced homes. Buyers here often have a pre-approval in hand and a plan for the appraisal gap before touring.
More competitive than 81% of U.S. ZIP codes, and #322 of 649 in the state.
Based on share sold above original list, sale-to-list ratio, months of supply and days on market for the 3 months ending August 31, 2026. See the breakdown
The Waterloo housing market right now
In the three months ending August 31, 2026, 44% of homes in Waterloo, NY 13165 sold above their list price, the typical home went under contract in 11 days and there were 2.3 months of supply. Under four months of supply means sellers have the edge: expect competition for well-priced homes. That’s based on 19 home sales.
Compared with the same period a year earlier, the share selling over asking fell from 46%, homes sold faster (14 days then) and the median sale price rose 15% to $210,159. Overall, Waterloo is about as competitive as it was a year ago.
Within Seneca County, homes here sell faster than in any other ZIP code in the county, and sell more often over asking than in 80%. On our competition score, Waterloo ranks #322 of 649 NY ZIP codes with enough sales (score 76 out of 100).
Nearby, buyers who want less competition could look at Lodi 14860 (0% sold over asking) or Interlaken 14847 (0% sold over asking), while Seneca Falls 13148 (48% sold over asking) is even more competitive.
Run the numbers for 13165
Nearby markets
Interlaken 14847Balanced $163 /sq ftLodi 14860Buyer’s market $111 /sq ftOvid 14521Seller’s market $112 /sq ftRomulus 14541Seller’s market $311 /sq ft Browse all markets →Towns like Waterloo nearby
Find towns like Waterloo in other states →Where Waterloo is
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Questions about Waterloo real estate
Is Waterloo a buyer’s or seller’s market?
A seller’s market: there were 2.3 months of supply in Waterloo, NY 13165 in the three months ending August 31, 2026. Under four months usually favors sellers, and more than six favors buyers.
How fast do homes sell in Waterloo?
The typical home went under contract in 11 days in the latest three months.
Do homes in Waterloo sell over asking?
44% of homes sold above their original list price, and the typical sale closed at 98.9% of the list price.
What are property taxes in Waterloo?
About 2.19% of a home’s value a year in Seneca County, or roughly $8,760 on a $400,000 home.
What is the median home price in Waterloo?
The median sale price was $210,159 in the three months ending August 31, 2026, about $125 per square foot.
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Market data describes housing activity only. Figures are rolling 3-month values from Redfin and may be revised. Methodology