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Waterloo, Belgium: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Waterloo | Digital Nomad Exchange
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Waterloo, Belgium

By Betsy Burlingame

Last updated on Jun 05, 2023

Summary: The approximate population of Waterloo, Belgium is 30,000. People describe Waterloo as a small, charming town with a rich history and a vibrant cultural scene. Expats love the easy access to Brussels, the friendly locals, and the beautiful parks and gardens. The weather in Waterloo is generally mild with temperatures ranging from an average high of 68°F (20°C) in the summer to an average low of 37°F (3°C) in the winter. The average cost of living in Waterloo for an expat is around $2,000 per month. The cost of a one bedroom apartment is around $1,000 per month and a two bedroom apartment is around $1,400 per month.

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What do I need to know about living in Waterloo?

When we asked people what advice they would give someone preparing to move to Waterloo, they said:

"Expats considering retiring in Waterloo should be aware that the city is located in the French-speaking region of Wallonia, and that the official language is French. It is important to have a basic understanding of the language before moving to the area. Expats should also be aware that the cost of living in Waterloo is relatively high, and that the city is well-connected to the rest of Belgium and Europe by public transport. Additionally, expats should be aware that the city is home to a number of cultural attractions, including the Lion's Mound, the Wellington Museum, and the Royal Museum of the Armed Forces and Military History. Finally, expats should be aware that the city is home to a vibrant expat community, and that there are a number of expat-friendly services and activities available," wrote one member in Waterloo.

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What do I need to know before moving to Waterloo?

When we asked people what advice they would give someone preparing to move to Waterloo, they said:

"Waterloo is a small town located in the Walloon region of Belgium, just south of Brussels. It is known for its historical sites, such as the Lion's Mound, which commemorates the Battle of Waterloo. Expats should be aware that the official language of Waterloo is French, although many locals also speak Dutch and English. Expats should also be aware that the cost of living in Waterloo is relatively high, and that the town is well-connected to the rest of Belgium and Europe by public transport. Additionally, expats should be aware that the weather in Waterloo can be quite unpredictable, with cold winters and hot summers. Finally, expats should be aware that the town is home to a diverse range of cultural activities, from music festivals to art galleries," commented one expat who made the move to Waterloo.

How do I find a place to live in Waterloo?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"If you are looking for a place to live in Waterloo, there are a few options available. You can search online for rental listings, or contact a local real estate agent to help you find a suitable property. Additionally, you can look for postings on local bulletin boards or in newspapers. You can also ask friends and family if they know of any available properties. Finally, you can visit the local town hall or other government offices to inquire about housing options," wrote one member in Waterloo.

What is a typical expat home or apartment like in Waterloo?

"Expat homes and apartments in Waterloo are typically modern and spacious. Many of the apartments are located in the city center, close to shops, restaurants, and other amenities. The apartments often feature large windows, allowing plenty of natural light to enter the space. Many of the homes and apartments also have balconies or terraces, providing a great outdoor space to relax and enjoy the views. Expats in Waterloo can also find homes and apartments with modern kitchens, bathrooms, and other amenities," said one expat in Waterloo.

What is the average cost of housing in Waterloo?

If you are thinking about moving to Waterloo, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Waterloo varies depending on the type of accommodation and location. Generally, the average cost of renting an apartment in Waterloo is around €800 to €1,200 per month, while the average cost of buying a house is around €400,000," remarked one expat who made the move to Waterloo.

How do I meet people in Waterloo?

When we asked people living in Waterloo about club and activities where newcomers can meet others, they responded:

"Expats living in Waterloo can join a variety of clubs and activities, such as sports clubs, language classes, and cultural events. Expats can also meet people by attending local festivals, joining a local church or volunteering with a local charity. Additionally, many expats find it helpful to join online forums and social media groups for expats in the area, which can be a great way to meet people and learn more about the local culture," commented one expat who made the move to Waterloo.

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What should I bring when moving to Waterloo?

People living in Waterloo were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Waterloo, it is important to pack warm clothing, as the weather can be quite cold in the winter months. It is also a good idea to bring an umbrella, as the area is known for its frequent rain showers. Additionally, it is recommended to bring comfortable walking shoes, as the city is quite walkable. Other items to consider packing include a first aid kit, a flashlight, and a map of the city. Finally, don't forget to bring any important documents, such as your passport and visa," wrote one member in Waterloo.

Where should I setup a bank account in Waterloo?

We asked expats in Waterloo what banks they use and there advice about banking. They advised:

"Expats considering retiring in Waterloo should be aware that the city is located in the French-speaking region of Wallonia, and that the official language is French. It is important to have a basic understanding of the language before moving to the area. Expats should also be aware that the cost of living in Waterloo is relatively high, and that the city is well-connected to the rest of Belgium and Europe by public transport. Additionally, the city is home to a variety of cultural attractions, including the Lion's Mound, the Wellington Museum, and the Château de La Hulpe. Finally, expats should be aware that the healthcare system in Belgium is excellent, and that there are a number of international schools in the area," wrote a member in Waterloo.

Will I be able to find a job in Waterloo?

When we asked people about industries and career opportunities in Waterloo, they reponded:

"Foreigners often have jobs in the service industry in Waterloo, such as working in restaurants, hotels, and retail stores. They may also find employment in the manufacturing sector, working in factories or in the construction industry. Other job opportunities for foreigners in Waterloo include teaching English, working in IT, and providing administrative support," remarked one expat living in Waterloo, Belgium.

What is life like in Waterloo?

When we asked people living in Waterloo what life is like and how people spend their time, they said:

"Waterloo is a great place for expats and digital nomads to live. The city is known for its vibrant culture, excellent public transportation, and beautiful parks and gardens. Expats and digital nomads can find plenty of activities to do in the city, from exploring the historic sites to enjoying the nightlife. The city also offers a wide range of accommodation options, from luxury apartments to budget-friendly hostels. The cost of living in Waterloo is relatively low, making it an attractive destination for expats and digital nomads. Additionally, the city is home to a diverse population, making it a great place to meet people from all over the world," explained one expat living in Waterloo, Belgium.

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What do expats in Waterloo appreciate most about the local culture?

"Expats in Waterloo appreciate the city's rich history and culture, which is evident in its many monuments, museums, and galleries. They also enjoy the city's vibrant nightlife, with its many bars, restaurants, and clubs. Additionally, expats appreciate the city's friendly and welcoming atmosphere, as well as its excellent public transportation system. Finally, expats enjoy the city's proximity to Brussels, which allows them to easily explore the capital city and its many attractions," explained one expat living in Waterloo, Belgium.

What do expats find most challenging?

"Expats in Waterloo often find the language barrier to be the most challenging aspect of the local culture. As French is the primary language spoken in the region, many expats find it difficult to communicate with locals and to access services. Additionally, expats may find the local customs and traditions to be unfamiliar and difficult to navigate. Furthermore, the cost of living in Waterloo can be high, making it difficult for expats to adjust to the local economy," explained one expat living in Waterloo, Belgium.

Is there a lot of crime in Waterloo?

We asked people if there is a lot of crime. They answered:

"No, there is not a lot of crime in Waterloo. According to the Ontario Provincial Police, the city of Waterloo consistently has one of the lowest crime rates in the province. Statistics from the Region of Waterloo's Police Service indicate that the city has seen an overall decrease in crime rates over the past several years. In 2018, the overall crime rate decreased by 3.2%," said one expat who made the move to Waterloo.

Is there a lot of diversity? Are people in Waterloo accepting of differences?

"Waterloo is a diverse city with a variety of cultures and backgrounds represented. People in Waterloo are generally accepting of differences and strive to create an inclusive environment. The city is home to a variety of ethnicities, religions, and nationalities, and there is a strong sense of community and acceptance among its residents," commented one expat who made the move to Waterloo.

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What are the schools in Waterloo like?

"The International School of Brussels (ISB) is one of the best international schools in Waterloo. Located in the heart of the city, ISB offers a comprehensive education for students from pre-kindergarten to grade 12. The school follows the International Baccalaureate (IB) curriculum, which is designed to develop students’ critical thinking and problem-solving skills. ISB also offers a wide range of extracurricular activities, such as sports, music, and art. The European School of Brussels IV (ESB IV) is another excellent international school in Waterloo, Belgium. ESB IV offers a bilingual education in English and French, and follows the European Baccalaureate curriculum. The school also offers a wide range of extracurricular activities, such as sports, music, and art. The International School of Uccle (ISU) is a bilingual school in Waterloo, Belgium. ISU offers a comprehensive education for students from pre-kindergarten to grade 12. The school follows the International Baccalaureate (IB) curriculum, which is designed to develop students’ critical thinking and problem-solving skills. ISU also offers a wide range of extracurricular activities, such as sports, music, and art. The British School of Brussels (BSB) is another excellent international school in Waterloo, Belgium. BSB offers a bilingual education in English and French, and follows the British National Curriculum. The school also offers a wide range of extracurricular activities, such as sports, music, and art," remarked one expat living in Waterloo with children attending .

"If coming to Belgium and the Brussels area, if you are looking for a school that is warm and caring, also one that uses the Primary Years Program that teaches more than just facts but also how to be thinkers, caring, knowledgeable, open-minded, a risk-taker, principled and many great qualities, I would highly recommend St. John's. Your child will thrive," said one expat in Waterloo with children at St. John's International School.

What are the pros and cons of living in Waterloo?

Expats, digital nomads and retirees living in Waterloo responded:

"Expats and digital nomads living in Waterloo, often appreciate the town's rich history, including its connection to the Battle of Waterloo. They also enjoy the high quality of life, with excellent healthcare, education, and public transportation systems. The town's proximity to Brussels makes it convenient for work and leisure, while its smaller size offers a more relaxed, suburban atmosphere. The local community is welcoming and diverse, with many international residents and a variety of cultural events and activities. On the other hand, some expats and digital nomads may find the cost of living in Waterloo to be relatively high, particularly when it comes to housing and dining out. The weather can also be a downside, as Belgium is known for its frequent rain and overcast skies. Additionally, while many locals speak English, it can still be challenging for expats to navigate the language barrier, especially when dealing with bureaucracy and official paperwork. Finally, some may find the job market to be competitive, particularly for those who do not speak French or Dutch," commented one expat living in Waterloo, Belgium.

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What type of social life can someone expect in Waterloo?

When we asked expats and global nomads about their social experiences in Waterloo, they replied:

"Expats, retirees, and digital nomads living in Waterloo, typically enjoy a vibrant and diverse social life. They often connect with fellow expats and locals through various clubs, organizations, and social events. Language exchange groups, sports clubs, and cultural activities provide opportunities to meet new people and build friendships. Networking events and coworking spaces are popular among digital nomads, allowing them to collaborate and socialize with like-minded professionals. Additionally, the proximity to Brussels offers access to a wide range of cultural events, international cuisine, and nightlife options, further enriching the social experience for those living in Waterloo," said one expat living in Waterloo.

"The social scene in Waterloo, is a mix of local charm and international flair, thanks to its proximity to Brussels and the presence of expats. The town offers a variety of restaurants, bars, and cafes where people can gather and socialize. Local events and festivals, such as the annual Waterloo Historical Reenactment, also provide opportunities for socializing and entertainment. Additionally, the town has several sports clubs and cultural organizations that cater to different interests, allowing residents and visitors to connect with like-minded individuals. Overall, the social scene in Waterloo is lively and diverse, offering something for everyone," said an expat in Waterloo.

What advice to expats in Waterloo have about housing?

"Expats in Waterloo recommend researching the area thoroughly before committing to a rental property. It is important to consider the proximity to public transportation, local amenities, and the safety of the neighborhood. Additionally, it is important to be aware of the local rental laws and regulations, as well as the cost of utilities and other expenses. It is also recommended to visit the property in person before signing a lease, and to ask for references from previous tenants," said one expat living in Waterloo.

What are medical services in Waterloo like?

When we asked expats and global nomads about the quality of medical care in Waterloo, they replied:

"Medical services in Waterloo, are of high quality and easily accessible. The town has several well-equipped medical centers, clinics, and hospitals that offer a wide range of healthcare services. Both public and private healthcare options are available, with many healthcare professionals being multilingual, making it easier for expats and tourists to communicate. Pharmacies are also readily available throughout the town, providing prescription and over-the-counter medications. In case of emergencies, the nearby city of Brussels has larger hospitals with specialized care facilities. Overall, Waterloo offers reliable and efficient medical services to its residents and visitors," said one expat living in Waterloo.

Are healthcare and health insurance expensive in Waterloo?

"Healthcare and health insurance in Waterloo, can be considered relatively expensive, especially for expats and those without access to the public healthcare system. The cost of healthcare services and insurance premiums may vary depending on the individual's needs and the coverage they choose. However, the quality of healthcare in Belgium is generally high, with well-equipped facilities and highly trained medical professionals. It is essential for individuals to research and compare different insurance plans to find the most suitable and cost-effective option for their needs," commented one expat living in Waterloo, Belgium.

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Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

Learn MoreGet Quote

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Is the cost of living in Waterloo high?

We asked people about the cost of living in Waterloo, they wrote:

"The cost of living in Waterloo is generally considered to be quite high. Rental prices for a nice 1 bedroom apartment in Waterloo, Belgium can range from around $1,000 to $1,500 USD per month, while a nice 2 bedroom apartment can range from around $1,500 to $2,000 USD per month. Eating dinner at a moderately priced restaurant in Waterloo, Belgium can cost around $20 USD per person," commented one expat living in Waterloo, Belgium.

What are the visa & residency requirements in Waterloo?

"In order to visit or stay in Waterloo, visitors must obtain a visa from the Belgian Embassy or Consulate in their home country. The visa application process requires applicants to submit a valid passport, a completed visa application form, a passport-sized photograph, proof of financial means, and a valid travel insurance policy. Depending on the purpose of the visit, additional documents may be required. In order to apply for residency in Waterloo, Belgium, applicants must submit a valid passport, a completed residency application form, a passport-sized photograph, proof of financial means, and a valid travel insurance policy. Depending on the purpose of the residency, additional documents may be required. Applicants must also provide proof of employment or study in Belgium, proof of accommodation, and proof of sufficient funds to support themselves during their stay. Once the application is approved, applicants will receive a residence permit, which must be renewed every year," said an expat in Waterloo.

Why do people move to Waterloo?

When we asked people why foreigners move to Waterloo, they responded:

"Waterloo is an attractive destination for expats due to its convenient location near Brussels, its vibrant cultural scene, and its excellent quality of life. The city is known for its beautiful architecture, its many parks and green spaces, and its excellent public transportation system. Additionally, Waterloo is home to a diverse population of international students, professionals, and entrepreneurs, making it a great place to meet new people and build a network. With its low cost of living, excellent job opportunities, and high quality of life, Waterloo is an ideal destination for expats looking to make a new home," remarked one expat living in Waterloo.

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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