What is the Best Neighborhoods USA ranking for Waterloo?
Waterloo is ranked #33 of 37 eligible neighborhoods in Stockton; #1,783 of 1,814 eligible neighborhoods in CA; and #14,614 of 14,967 eligible neighborhoods in the United States.
Neighborhood Profile
Waterloo
Stockton, CA | San Joaquin County
Scored premium profile
Best Neighborhoods USA Index
20.6
Stability and Strength
20.2
Value Opportunity
26.9
Momentum
12.5
Score note: Rankings show denominators so users always see the size of the eligible cohort.
| Context | Value |
|---|---|
| Location | Stockton, CA |
| County | San Joaquin County |
| National rank | #14,614 of 14,967 |
| State rank | #1,783 of 1,814 |
| City rank | #33 of 37 |
| County rank | #33 of 37 |
| National percentile | 2.4 |
| National band | LOWER_25_PERCENT |
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Housing and local fundamentals
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $303,660 |
| Year-over-year home value change | -5.3% |
| Month-over-month home value change | -0.18% |
| Home value to income ratio | 6.12 |
| Median household income | $49,610 |
| Bachelor's degree or higher | 4.3% |
| Civilian unemployment rate | 7.3% |
| Homeownership rate | 42.5% |
| Housing vacancy rate | 11.8% |
| Rent burden 30% or higher | 63.7% |
How to read this profile
- Ranks are always shown with denominators.
- Momentum reflects both year-over-year and month-over-month housing change.
- Stability and Strength and Value Opportunity are governed composite scores.
- Identity composition is descriptive intelligence and is not a scoring component.
Questions and Answers
Questions About Living in Waterloo
Is Waterloo one of the best neighborhoods in Stockton?
Waterloo has a Best Neighborhoods USA Index of 20.6 and a city ranking of #33 of 37 eligible neighborhoods in Stockton.
How much are homes worth in Waterloo?
The current Zillow Home Value Index for Waterloo is approximately $303,660.
Are home values rising or falling in Waterloo?
Zillow neighborhood values changed -5.3% year over year and -0.18% month over month.
What is the Neighborhood Momentum Score for Waterloo?
Waterloo has a Neighborhood Momentum Score of 12.5. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
What is the median household income in Waterloo?
The NDS-derived neighborhood median household income is approximately $49,610.
How affordable is Waterloo relative to household income?
The current Zillow home-value-to-household-income ratio is 6.12. Price-to-income affordability is a major Value Opportunity input.
Is Waterloo primarily homeowners or renters?
The NDS-derived homeownership rate is approximately 42.5%.
What is the unemployment rate in Waterloo?
The NDS-derived civilian unemployment rate is approximately 7.3%.
How educated are residents of Waterloo?
Approximately 4.3% of residents age 25 and older are estimated to have a bachelor's degree or higher.
What share of renters in Waterloo face high rent burden?
Approximately 63.7% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
How does Best Neighborhoods USA score Waterloo?
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
How this neighborhood ranks
HMDA Mortgage Intelligence
Neighborhood Mortgage Market
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
Activity year2024
Estimated applications178
Estimated originations77
Home-purchase applications93
Origination rate43.2%
Home-purchase share52.2%
Average application loan$241,191
Total application loan amount$42,921,296
National application rank#2,417 of 14,874 rankable neighborhoods
Geometry coverage100.0%
Recent trend: Applications 18.2% YoY; originations 18.6% YoY
Mortgage methodology
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.