City Of Waterloo Illinois

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Nestled in the heart of Monroe County, Waterloo, Illinois is a vibrant city with a rich historical tapestry that stretches back to the late 18th century. Situated just 24 miles from downtown St. Louis, this charming community embodies the spirit of rural American resilience and cultural diversity, offering residents a unique blend of small-town charm and modern conveniences.

Historical Roots and Founding

The story of Waterloo begins with the Bellefontaine settlement, established in 1781 by early American colonists from Maryland and Virginia. The area’s first permanent settlers, including James Moore, Larken Rutherford, and James Garretson, laid the groundwork for what would eventually become the thriving city of Waterloo.

An intriguing legend surrounds the city's naming. In 1818, an Irishman named Charles Carroll is said to have resolved the rivalry between two local settlements by declaring, "It won't be Bellfontaine, and it won't be Peterstown, but begorra, I'll give ye's both your Waterloo." This colorful origin story captures the spirit of community that would define the city's future.

Demographic Landscape

As of 2026, Waterloo boasts a population of 11,245, reflecting steady growth and community vitality. The city’s demographic composition is predominantly White (94.38%), with notable diversity including:

• Two or more races: 2.32%
• Asian residents: 1.7%
• Black or African American residents: 1.03%

The community demonstrates a balanced age distribution, with a median age of 41.5 years. The population is slightly skewed towards females, with 51.2% women and 48.8% men.

Economic Insights

Waterloo presents a robust economic profile. The median household income stands at $98,711, significantly above the national average. Key economic highlights include:

• Average per capita income: $60,876
• Poverty rate: A low 5.89%
• Married family median income: $141,390

Cultural Heritage

The city’s character has been significantly shaped by German settlers who arrived in large numbers during the 1840s. Their influence remains evident in the city’s architecture, cultural traditions, and community spirit.

Waterloo officially received its town charter on February 12, 1849, and was later chartered as a city on August 29, 1888. The city serves as the county seat of Monroe County and has maintained its historical significance through careful preservation.

A testament to its rich history, Waterloo's historic district was placed on the National Register of Historic Places on December 1, 1978, ensuring that future generations can appreciate the city's architectural and cultural legacy.

Geographic Context

Located in southwestern Illinois, Waterloo spans 8.234 square miles with a population density of 1,366 people per square mile. The city is strategically positioned near key transportation routes, including Illinois Route 3 and Illinois Route 156, providing convenient access to surrounding communities.