Waterloo, Ontario

Indigenous peoples such as the Iroquois, Anishinaabe and Chonnonton lived in the area.{{cite web|url=https://www.waterloo.ca/en/things-to-do/waterloo_s-history.aspx|title=Waterloo's history|date=March 8, 2021 |access-date=29 March 2021|archive-date=April 29, 2021|archive-url=https://web.archive.org/web/20210429090948/https://www.waterloo.ca/en/things-to-do/waterloo_s-history.aspx|url-status=live}}

After the end of the American Revolution, Joseph Brant, a Mohawk war chief, wanted Frederick Haldimand to give the Mohawk and Six Nations a tract of land surrounding the Grand River, in return for their loyalty to the British in the war.{{Sfn|McLaughlin|Jaeger|2007|pp=18–19}}{{cite web |title=Haldimand Proclamation, The Canadian Encyclopedia |url=https://www.thecanadianencyclopedia.ca/en/article/haldimand-proclamation |url-status=live |archive-url=https://web.archive.org/web/20190805214208/https://www.thecanadianencyclopedia.ca/en/article/haldimand-proclamation |archive-date=August 5, 2019 |access-date=August 27, 2019}} Haldimand's 1784 Haldimand Proclamation granted the land "six miles deep from either side of the [Grand River] beginning at Lake Erie and extending in that proportion to the very head of the said river."{{Sfn|McLaughlin|Jaeger|2007|pp=18–19}} Haldimand, who had previously ordered for potential mill sites to be identified in the region, decreed in 1788 that mill sites would be included in the grant (which would not have been included otherwise).{{Sfn|McLaughlin|Jaeger|2007|pp=15}} In 1796, Richard Beasley purchased Block Number 2 of the grant from Joseph Brant (on behalf of the Six Nations) with a mortgage held by the Six Nations. Block 2, 94,012 acres in size, was situated in the District of Gore. To meet his mortgage obligations, Beasley had to sell portions of the land to settlers.{{cite web | url=https://www.waterlooregionmuseum.ca/en/collections-and-research/waterloo-township.aspx | access-date=August 27, 2019 | title=History of Waterloo Township | archive-date=July 27, 2019 | archive-url=https://web.archive.org/web/20190727143149/https://www.waterlooregionmuseum.ca/en/collections-and-research/waterloo-township.aspx | url-status=live }} This was counter to the original mortgage agreement, but subsequent changes to the agreement were made to permit land sales.

Mennonites from Pennsylvania counties Lancaster and Montgomery were the first wave of immigrants to the area.{{cite web | url = http://www.waterloo.ca/150Anniversary/DesktopDefault.aspx?tabid=1780 | title = Our Proud History | access-date = August 30, 2007 | publisher = City of Waterloo | archive-date = September 28, 2007 | archive-url = https://web.archive.org/web/20070928201452/http://www.waterloo.ca/150Anniversary/DesktopDefault.aspx?tabid=1780 | url-status = dead }} In the year 1800 alone, Beasley sold over 14,000 acres to Mennonite settlers.{{Citation needed|date=June 2022}} A group of 26 Mennonites from Lancaster County, Pennsylvania, pooled their resources into the German Company of Pennsylvania, which was then represented by Daniel Erb and Samuel Bricker.{{Citation needed|date=August 2022}} The company purchased all the unsold land from Beasley in 1803, resulting in a discharge of the mortgage held by the Six Nations. This discharge allowed Beasley to clear his obligation with the Six Nations, and allowed the settlers to have deeds to their purchased land.{{cite web | url=https://waterloocountygenweb.weebly.com/waterloo-township.html | access-date=August 27, 2019 | title=Waterloo County GenWeb | archive-date=August 27, 2019 | archive-url=https://web.archive.org/web/20190827085345/https://waterloocountygenweb.weebly.com/waterloo-township.html | url-status=live }} The payment to Beasley, in cash, arrived from Pennsylvania in kegs, carried in a wagon surrounded by armed guards.{{cite web |url=http://www.waterlooregionmuseum.com/collections-and-research/place-names-in-waterloo-region/waterloo-township/ |title=Waterloo Township |author= |date=2013 |website=Waterloo Region Museum Research |publisher=Region of Waterloo |access-date=13 March 2017 |quote=To correct the situation, a formal agreement was arranged between Brant and Beasley. This arrangement allowed Beasley to sell the bulk of Block 2 in order to cover his mortgage obligations completely while giving the Mennonite buyers legal title to the land they had purchased. Beasley sold a 60,000-acre tract of land to the "German Company of Pennsylvania" represented by Daniel Erb and Samuel Bricker in November 1803. Beasley's sale to the German Company not only cleared him of mortgage debt but left him with 10,000 acres of Block 2 land which he continued to sell into the 1830s. |archive-date=February 27, 2017 |archive-url=https://web.archive.org/web/20170227143026/http://www.waterlooregionmuseum.com/collections-and-research/place-names-in-waterloo-region/waterloo-township/ |url-status=dead }}

Many of the pioneers who arrived from Pennsylvania after November 1803 bought land in a 60,000-acre tract of Block 2 from the German Company of Pennsylvania. The tract included almost two-thirds of Block 2. Many of the first farms were least 400 acres in size.{{cite web |url=http://www.whs.ca/wp-content/uploads/2015/11/1930.pdf |title=History |author= |date=1930 |website=Waterloo Historical Society 1930 Annual Meeting |publisher=Waterloo Historical Society |access-date=13 March 2017 |archive-date=February 27, 2017 |archive-url=https://web.archive.org/web/20170227233215/http://www.whs.ca/wp-content/uploads/2015/11/1930.pdf |url-status=live }}

The Mennonites divided the land into smaller lots; two lots owned by Abraham Erb—who is often called the founder of the Village of Waterloo{{Sfn|McLaughlin|Jaeger|2007|pp=16}}—became the central core of Waterloo. Erb had come to the area in 1806 from Pennsylvania.{{Sfn|McLaughlin|Jaeger|2007|pp=15}} He had bought {{Convert|4000|acre}} from the German Company Tract and settled where there was enough water power to operate mills.{{Sfn|McLaughlin|Jaeger|2007|pp=15}} He founded a sawmill in 1808 and grist mill in 1816; they saw business flourish.{{Sfn|McLaughlin|Jaeger|2007|pp=16}} Other early settlers of what would become Waterloo included Samuel and Elia Schneider, who arrived in 1816. Until about 1820, settlements such as this were quite small.{{cite web

| url = http://www.city.waterloo.on.ca/DesktopDefault.aspx?tabID=898

| title = Erb-Kumpf House, 172 King Street South, Designated: February 19, 1979

| access-date = August 30, 2007

| publisher = City of Waterloo

| archive-date = September 30, 2007

| archive-url = https://web.archive.org/web/20070930153950/http://www.city.waterloo.on.ca/DesktopDefault.aspx?tabID=898

| url-status = dead

}} Erb also built what is now known as the Erb-Kumpf House in c. 1812, making it likely one of the oldest homes in Waterloo.{{Cite web|last=|first=|date=February 13, 2009|title=Erb-Kumpf House|url=https://www.historicplaces.ca/en/rep-reg/place-lieu.aspx?id=11185|url-status=live|archive-url=https://web.archive.org/web/20160305115127/https://www.historicplaces.ca/en/rep-reg/place-lieu.aspx?id=11185|archive-date=March 5, 2016|access-date=December 28, 2020|website=Canada's Historic Places}}{{Cite web|last=|first=|date=|title=The Erb-Kumpf House|url=https://www.wrxpropertygroup.com/the-erb-kumpf-house/|url-status=live|archive-url=https://archive.today/20201229053510/https://www.wrxpropertygroup.com/the-erb-kumpf-house/|archive-date=December 29, 2020|access-date=December 29, 2020|website=WRX Property Group}}{{Cite web|last=|first=|date=|title=Erb-Kumpf House, 172 King Street South|url=https://www.historicwaterloo.ca/buildings/172kingstreetsouth|url-status=live|archive-url=https://archive.today/20201229054409/https://www.historicwaterloo.ca/buildings/172kingstreetsouth|archive-date=December 29, 2020|access-date=December 29, 2020|website=Historic Waterloo}}

File:First School in Waterloo, Ontario (1820).jpg

The first school in what is now the City of Waterloo was built on land donated by Erb; the log building was constructed in 1820. A larger school house of stone was built in 1842 and was replaced with a brick school building in 1852. Over the decades, the log building was moved, eventually to Waterloo Park, where it still stands.{{cite web |url=https://waterlooheritage.com/2014/06/01/the-legacy-of-the-1820-log-schoolhouse-part-ii/ |title=The Legacy of the 1820 Log Schoolhouse: Part II |date=1 June 2014 |work=Waterloo Heritage News |access-date=19 May 2021 |quote= |archive-date=May 19, 2021 |archive-url=https://web.archive.org/web/20210519144811/https://waterlooheritage.com/2014/06/01/the-legacy-of-the-1820-log-schoolhouse-part-ii/ |url-status=live }} The German spoken in Waterloo County is based upon the 18th century Pennsylvania Dutch dialect.{{sfn|Kraemer|2003|p=36}} In turn, the Pennsylvania Dutch dialect is based upon the dialect of German spoken in southwestern Germany.{{sfn|Kraemer|2003|p=36}}

In 1816, the new Waterloo Township was officially incorporated while being named after Waterloo, Belgium, the site of the Battle of Waterloo (1815), which had ended the Napoleonic Wars in Europe.{{cite web | url=https://www.waterlooregionmuseum.ca/en/collections-and-research/waterloo-township.aspx | title=History of Waterloo Township | access-date=August 27, 2019 | archive-date=July 27, 2019 | archive-url=https://web.archive.org/web/20190727143149/https://www.waterlooregionmuseum.ca/en/collections-and-research/waterloo-township.aspx | url-status=live }} After that war, the new township became a popular destination for German immigrants. By the 1840s, German settlers had overtaken the Mennonites as the dominant segment of the population. Many Germans settled in the small hamlet to the southeast of Waterloo. In their honour, the village was named Berlin in 1833 (renamed to Kitchener in 1916). The first Catholic family to arrive were the Spetz family from Alsace who came in 1828.{{sfn|Kraemer|2003|p=76}}

By 1831, Waterloo had a small post office in the King and Erb Street area, operated by Daniel Snyder, some 11 years before one would open in neighbouring Berlin.{{cite news|url=https://www.therecord.com/living-story/7165738-flash-from-the-past-tracking-waterloo-s-mail/|title=Flash from the Past: Tracking Waterloo's mail|first=Rych|last=Mills|date=March 6, 2017|newspaper=Waterloo Region Record|access-date=June 12, 2017|archive-date=March 8, 2017|archive-url=https://web.archive.org/web/20170308160603/http://www.therecord.com/living-story/7165738-flash-from-the-past-tracking-waterloo-s-mail/|url-status=live}}{{sfn|Bloomfield|1995|p=76}} The Smith's Canadian Gazetteer of 1846 states that the Township of Waterloo (smaller than Waterloo County) consisted primarily of Pennsylvanian Mennonites and immigrants directly from Germany who had brought money with them. At the time, many did not speak English. There were eight grist and twenty sawmills in the township. In 1841, the population count was 4424. In 1846 the village of Waterloo had a population of 200, "mostly Germans". There was a grist mill and a sawmill and some tradesmen.{{cite book |last=Smith |first=Wm. H. |date=1846 |title=Smith's Canadian Gazetteer - Statistical and General Information Respecting all parts of The Upper Province, or Canada West|url=https://archive.org/details/smithscanadianga00smit |location=Toronto |publisher=H. & W. Rowsell |pages=[https://archive.org/details/smithscanadianga00smit/page/205 205]–206}} By comparison, Berlin (Kitchener) had a population of about 400, also "mostly German", and more tradesmen than the village of Waterloo.{{cite book |last=Smith |first=Wm. H. |date=1846 |title=Smith's Canadian Gazetteer - Statistical and General Information Respecting all parts of The Upper Province, or Canada West |url=https://archive.org/details/smithscanadianga00smit |location=Toronto |publisher=H. & W. Rowsell |page=[https://archive.org/details/smithscanadianga00smit/page/15 15]}}

Berlin was chosen as the site of the seat for the County of Waterloo in 1853. By 1869, the population was 2000.{{cite web|url=https://archive.org/details/provinceontario00mcevgoog|title=The Province of Ontario Gazetteer and Directory: Containing Concise ...|last=Henry McEvoy|date=March 5, 1869|publisher=Robertson & Cook|via=Internet Archive}} Waterloo was incorporated as a village in 1857 and became the Town of Waterloo in 1876. The Kitchener Public Utilities Commission began providing streetcar service in the region in 1888. In the 19th century, Waterloo was dominated by people of German origin with 76% of Waterloo residents in the 1911 census listing their family origins as being in Germany.{{Sfn|McLaughlin|Jaeger|1990|p=57}}

The Galt, Preston and Hespeler electric railway (later called the Grand River Railway) connected to Waterloo in 1911 and ended service in 1931.{{cite web |author= |date=19 January 2017 |title=Cambridge and its Influence on Waterloo Region's Light Rail Transit |url=http://www.explorewaterlooregion.com/2017/01/railway-history/ |url-status=live |archive-url=https://web.archive.org/web/20170312053020/http://www.explorewaterlooregion.com/2017/01/railway-history/ |archive-date=March 12, 2017 |access-date=10 March 2017 |website=Waterloo Region }}{{cite news |last=Mills |first=Rych |date=10 January 2017 |title=Flash From the Past: Preston Car and Coach goes up in smoke |work=Record |location=Kitchener |url=http://www.therecord.com/living-story/7058983-flash-from-the-past-preston-car-and-coach-goes-up-in-smoke/ |url-status=live |access-date=10 March 2017 |archive-url=https://web.archive.org/web/20220619190736/https://www.therecord.com/life/2017/01/10/flash-from-the-past-preston-car-and-coach-goes-up-in-smoke.html |archive-date=June 19, 2022}} The Kitchener Public Utilities Commission stopped providing streetcar service in 1947, and were replaced by electric trolley coaches. Waterloo was incorporated as the City of Waterloo in 1948. The trolley coaches ended service in 1973.{{cite web |date=22 January 2021 |title=Flash From the Past: Faster, smoother, quieter trolleys take over King Street |url=https://www.therecord.com/life/local-history/2021/01/22/flash-from-the-past-faster-smoother-quieter-trolleys-take-over-king-street.html |url-status=live |archive-url=https://web.archive.org/web/20210125120200/https://www.therecord.com/life/local-history/2021/01/22/flash-from-the-past-faster-smoother-quieter-trolleys-take-over-king-street.html |archive-date=January 25, 2021 |access-date=24 January 2021 |work=Waterloo Region Record |quote=From 1888 to 1947, Berlin/Kitchener and Waterloo had been connected by streetcars plying King Street. Initially powered by horses — but after 1895 by electricity via a single pole connecting with an overhead wire}} In 1911, a plan was mooted to pave King street.{{Sfn|McLaughlin|Jaeger|1990|p=85}} William Snider who owned the town square, did not want to pay the higher taxes, which would refused from paving King Street.{{Sfn|McLaughlin|Jaeger|1990|p=85}} Snider offered to deed the town square to town, which instead demanded he pay the higher taxes.{{Sfn|McLaughlin|Jaeger|1990|p=85}} Snider sold the town square to the Molson Bank, which up a Beaux Arts style bank on the site of the town square in 1914.{{Sfn|McLaughlin|Jaeger|1990|p=85}} In 1929, the H.V. McKay company of Australia proposed to open a factory for "one, man, self-propelled combine harvesters".{{Sfn|McLaughlin|Jaeger|1990|p=84}} The town provided the land for the factory from the Canada Barrels and Kegs and fixed the tax assessment at $25, 000 per year for the next 10 years in exchange for the factory being built.{{Sfn|McLaughlin|Jaeger|1990|p=84}}> In 1911, Waterloo Lutheran seminary, which later became Wilfrid Laurier University, was opened.{{Sfn|McLaughlin|Jaeger|1990|p=61}} On 5 May 1916, a group of soldiers sacked the German Acadian Club in Waterloo.{{Sfn|McLaughlin|Jaeger|1990|p=63}} In October 1918, Spanish flu reached Waterloo.{{Sfn|McLaughlin|Jaeger|1990|p=69}} Over 2, 000 people were "down with the malady".{{Sfn|McLaughlin|Jaeger|1990|p=69}} By November 1918, the Waterloo Chronicle reported that "twice as many had died from the influenza as had been killed in action in four years of war".{{Sfn|McLaughlin|Jaeger|1990|p=69}}

The presence of the University of Waterloo in the city caused technological and innovative companies to base in Waterloo,{{Sfn|McLaughlin|Jaeger|2007|pp=171}} especially companies specializing in computing and software. For example, Research in Motion (now BlackBerry Limited), which developed BlackBerry, was started by Mike Lazaridis and Doug Fregin in 1984.{{Sfn|McLaughlin|Jaeger|2007|pp=174}} In 1965, the University of Waterloo was the second-largest private sector employer.{{Sfn|McLaughlin|Jaeger|1990|p=139}} The construction of the buildings for the University of Waterloo made the unemployment rate very low in the 1960s.{{Sfn|McLaughlin|Jaeger|1990|p=140}} By 1971, the population of Waterloo had grown 424% since 1945.{{Sfn|McLaughlin|Jaeger|1990|p=140}} Kitchener was a working class city while Waterloo was a middle class city.{{Sfn|McLaughlin|Jaeger|1990|p=141}} In 1981, the average annual household income in Kitchener was $26, 279 and in Waterloo was $31, 224.{{Sfn|McLaughlin|Jaeger|1990|p=141}} In 1950, Waterloo had 55 factories that employed 2, 572 people, in 1970 had 79 factories that employed $5, 483 workers, and in 1980 132 factories that employed 7, 314 workers.{{Sfn|McLaughlin|Jaeger|1990|p=141}} The founding of the universities led to the north-eastern area becoming developed as the new housing subdivisions were built while the area around Weber declined.{{Sfn|McLaughlin|Jaeger|1990|pp=141–143}} The architecture of Waterloo changed from a more traditional Victorian architecture style to favouring a more streamlined look, incorporating elements from architectural styles such as Postmodern architecture, which ultimately led to a movement to preserve Waterloo's historical core.{{Sfn|McLaughlin|Jaeger|1990|p=143}} A 1994 issue of the Financial Post mentioned Waterloo-based companies MKS, WATCOM, and Open Text in a list of the top 100 independent software companies in Canada.{{Sfn|McLaughlin|Jaeger|2007|pp=174}} In 1960, a study revealed 50% of the buying by Waterloo consumers was done in Kitchener, leading to the city to develop a retail district.{{Sfn|McLaughlin|Jaeger|1990|pp=109–111}}

In the 1980s, Waterloo came to have the character of a "post-industrial city".{{Sfn|McLaughlin|Jaeger|1990|p=144}} Mennonite farmers continued to come to Waterloo in their horse-powered buggies for shopping while the middle class people drove out to eat and drink at the numerous pubs and hotels out in the countryside.{{Sfn|McLaughlin|Jaeger|1990|p=144}}

In June 2011, the Waterloo Region council approved the Ion: a light rail transit line connecting Conestoga Mall in north Waterloo and Fairview Park Mall in south Kitchener.{{cite web |date=2011-06-15 |title=Rail plan passes |url=http://www.therecord.com/news/local/article/548497--rail-plan-passes |url-status=dead |archive-url=https://web.archive.org/web/20120312025134/http://www.therecord.com/news/local/article/548497--rail-plan-passes |archive-date=March 12, 2012 |access-date=2012-02-20 |publisher=TheRecord}} Construction on the Ion began in August 2014. In 2016, two sections of a corduroy road were unearthed. One was in the King Street area of the business district and the second was discovered near the Conestoga Mall. The road was probably built by Mennonites using technology acquired in Lancaster County, Pennsylvania, between the late 1790s and 1816.{{Citation needed|date=June 2022}} The log road was buried in about 1840 and a new road built on top of it.{{cite news |url=https://www.therecord.com/news-story/8926047-university-of-waterloo-researchers-hoping-to-borrow-corduroy-road-samples/ |title=University of Waterloo researchers hoping to borrow corduroy road samples |first=James |last=Jackson |newspaper=Waterloo Region Record |date=September 26, 2018 |access-date=May 28, 2019 |archive-date=June 19, 2022 |archive-url=https://web.archive.org/web/20220619190728/https://www.therecord.com/news/waterloo-region/2018/09/25/university-of-waterloo-researchers-hoping-to-borrow-corduroy-road-samples.html |url-status=live }}{{cite news |url=https://www.therecord.com/news-story/8599125-corduroy-road-gives-a-glimpse-into-waterloo-s-past/ |title=Corduroy road gives a glimpse into Waterloo's past |first=James |last=Jackson |newspaper=Waterloo Region Record |date=May 10, 2018 |access-date=May 28, 2019 |archive-date=June 19, 2022 |archive-url=https://web.archive.org/web/20220619190729/https://www.therecord.com/news/waterloo-region/2018/05/10/corduroy-road-gives-a-glimpse-into-waterloo-s-past.html |url-status=live }} A historian{{Who|date=June 2022}} explained that the road had been built for access to the mill but was also "one of the first roads cut through (the woods) so people could start settling the area".{{cite web |url=https://nationalpost.com/news/canada/it-looked-like-a-giant-rib-cage-in-the-ground-the-centuries-old-origins-of-silicon-valley-north-laid-bare-by-lrt-build |title='It looked like a giant rib cage in the ground': The centuries-old origins of Silicon Valley north laid bare by LRT build |work=Canada's Historic Places|access-date=29 March 2021 |quote=}} Ion service began in 2019 and experienced a daily ridership of 25,000 in November 2020.{{cite web |date=November 18, 2020 |title=Public transit numbers on the rise since Ion launch in June |url=https://www.keolis.ca/en/node/234 |access-date=November 19, 2020 |publisher=Keolis}}

{{wide image|Waterloo_Ontario_Pano.jpg|1000px|Uptown looking Northwest from the Uptown Parkade. Landmarks visible include the Marsland Centre on the extreme left and Waterloo City Hall on the extreme right.}}

Image:Waterloo uptown.jpgWaterloo's city centre is near the intersection of King and Erb streets. The city centre was once along Albert Street, near the Marsland Centre and the Waterloo Public Library. The town hall, fire hall, and farmers' market were located there. Amidst some controversy, all were demolished between 1965 and 1969.

Historically, Waterloo's swamp land near where the village was first developed caused problems for development.{{Sfn|McLaughlin|Jaeger|2007|pp=15}} To mitigate these issues, sand was taken from nearby areas to raise the land; buildings were built on foundations of oak planks; and King Street was originally built as a corduroy road.{{Sfn|McLaughlin|Jaeger|2007|pp=16}}

File:Grand River north of Waterloo.png, as seen to the north-east of Waterloo]]

The Grand River flows southward along the city's east side. Its most significant tributary within the city is Laurel Creek, whose source lies just to the west of the city limits and its mouth just to the east, and crosses much of the city's central areas, including the University of Waterloo lands and Waterloo Park; it flows under the uptown area in a culvert. In the city's west end, the Waterloo Moraine provides over 300,000 people in the region with drinking water. Much of the gently hilly Waterloo Moraine underlies existing developed areas. Ongoing urban growth, mostly low-density residential suburbs (in accordance with requests by land developers), will cover increasing amounts of the remaining undeveloped portions of the Waterloo Moraine.

Waterloo has a humid continental climate of the warm summer subtype (Dfb under the Köppen climate classification){{Cite web |title=Interactive Canada Koppen-Geiger Climate Classification Map |url=https://www.plantmaps.com/koppen-climate-classification-map-canada.php |access-date=2022-07-18 |website=www.plantmaps.com}} with warm, humid summers and cold winters. Compared to other parts of Canada, Waterloo has fairly moderate weather. Winter temperatures usually occur between mid-December and mid-March, while summer temperatures generally occur between mid-May and late September. It is not uncommon for temperatures to exceed 30 °C (86 °F) several times each summer. Waterloo has approximately 140 frost-free days per year.

{{Weather box

|location = Region of Waterloo International Airport, 1991–2020 normals, extremes 1914–present{{efn|Daily maximum and minimum temperatures and precipitation were recorded at Kitchener from October 1914 to December 1977 and at Region of Waterloo International Airport from March 1970 to present.}}

|metric first = Y

|single line = Y

|Jan record high C = 14.9

|Feb record high C = 16.8

|Mar record high C = 26.5

|Apr record high C = 30.0

|May record high C = 33.3

|Jun record high C = 36.7

|Jul record high C = 38.3

|Aug record high C = 38.3

|Sep record high C = 36.7

|Oct record high C = 31.1

|Nov record high C = 25.0

|Dec record high C = 18.7

|year record high C = 38.3

|Jan high C = −2.3

|Feb high C = −1.4

|Mar high C = 4.1

|Apr high C = 11.6

|May high C = 19.0

|Jun high C = 24.1

|Jul high C = 26.6

|Aug high C = 25.5

|Sep high C = 21.6

|Oct high C = 14.1

|Nov high C = 6.8

|Dec high C = 0.7

|year high C = 12.5

|Jan mean C = −6.3

|Feb mean C = −5.9

|Mar mean C = −0.8

|Apr mean C = 5.9

|May mean C = 12.6

|Jun mean C = 17.8

|Jul mean C = 20.2

|Aug mean C = 19.1

|Sep mean C = 15.2

|Oct mean C = 8.8

|Nov mean C = 2.6

|Dec mean C = −2.8

|year mean C = 7.2

|Jan low C = −10.3

|Feb low C = −10.3

|Mar low C = −5.6

|Apr low C = 0.1

|May low C = 6.2

|Jun low C = 11.5

|Jul low C = 13.7

|Aug low C = 12.7

|Sep low C = 8.7

|Oct low C = 3.4

|Nov low C = −1.6

|Dec low C = −6.3

|year low C = 1.9

|Jan record low C = −31.9

|Feb record low C = −34.1

|Mar record low C = −29.4

|Apr record low C = −17.8

|May record low C = −6.1

|Jun record low C = −1.1

|Jul record low C = 4.2

|Aug record low C = 1.1

|Sep record low C = −3.7

|Oct record low C = −10.6

|Nov record low C = −18.9

|Dec record low C = −28.3

|year record low C = −34.1

|precipitation colour = green

|Jan precipitation mm = 66.3

|Feb precipitation mm = 46.1

|Mar precipitation mm = 57.0

|Apr precipitation mm = 81.2

|May precipitation mm = 80.2

|Jun precipitation mm = 80.5

|Jul precipitation mm = 96.2

|Aug precipitation mm = 67.2

|Sep precipitation mm = 75.2

|Oct precipitation mm = 71.0

|Nov precipitation mm = 74.9

|Dec precipitation mm = 54.9

|year precipitation mm = 850.6

|rain colour = green

|Jan rain mm = 28.7

|Feb rain mm = 29.7

|Mar rain mm = 36.8

|Apr rain mm = 68.0

|May rain mm = 81.8

|Jun rain mm = 82.4

|Jul rain mm = 98.6

|Aug rain mm = 83.9

|Sep rain mm = 87.8

|Oct rain mm = 66.1

|Nov rain mm = 75.0

|Dec rain mm = 38.0

|year rain mm = 776.8

|snow colour = green

|Jan snow cm = 43.7

|Feb snow cm = 30.3

|Mar snow cm = 26.5

|Apr snow cm = 7.3

|May snow cm = 0.4

|Jun snow cm = 0.0

|Jul snow cm = 0.0

|Aug snow cm = 0.0

|Sep snow cm = 0.0

|Oct snow cm = 1.4

|Nov snow cm = 13.0

|Dec snow cm = 37.2

|year snow cm = 159.7

|unit precipitation days = 0.2 mm

|Jan precipitation days = 17.7

|Feb precipitation days = 12.9

|Mar precipitation days = 13.2

|Apr precipitation days = 13.5

|May precipitation days = 13.4

|Jun precipitation days = 12.7

|Jul precipitation days = 13.2

|Aug precipitation days = 11.2

|Sep precipitation days = 12.0

|Oct precipitation days = 14.7

|Nov precipitation days = 14.8

|Dec precipitation days = 15.0

|year precipitation days = 164.0

|unit rain days = 0.2 mm

|Jan rain days = 5.6

|Feb rain days = 5.0

|Mar rain days = 6.9

|Apr rain days = 11.5

|May rain days = 12.4

|Jun rain days = 12.0

|Jul rain days = 10.6

|Aug rain days = 10.7

|Sep rain days = 12.2

|Oct rain days = 13.7

|Nov rain days = 11.6

|Dec rain days = 6.9

|year rain days = 118.7

|unit snow days = 0.2 cm

|Jan snow days = 16.1

|Feb snow days = 11.9

|Mar snow days = 9.0

|Apr snow days = 3.3

|May snow days = 0.18

|Jun snow days = 0.0

|Jul snow days = 0.0

|Aug snow days = 0.0

|Sep snow days = 0.0

|Oct snow days = 0.91

|Nov snow days = 6.5

|Dec snow days = 14.4

|year snow days = 62.2

|humidity colour = green

|time day = 0600 LST

|Jan humidity = 86.4

|Feb humidity = 83.4

|Mar humidity = 84.8

|Apr humidity = 84.4

|May humidity = 84.7

|Jun humidity = 87.0

|Jul humidity = 90.1

|Aug humidity = 93.6

|Sep humidity = 94.3

|Oct humidity = 90.6

|Nov humidity = 87.6

|Dec humidity = 87.1

|year humidity = 87.8

|source 1 = Environment Canada (rainfall/snowfall/humidity 1981–2010){{cite web

| url = https://climate.weather.gc.ca/climate_normals/results_1991_2020_e.html?searchType=stnProv&lstProvince=ON&txtCentralLatMin=0&txtCentralLatSec=0&txtCentralLongMin=0&txtCentralLongSec=0&stnID=213000000&dispBack=0

| title = Kitchener/Waterloo

| work = Canadian Climate Normals 1991–2020

| publisher = Environment and Climate Change Canada

| access-date = Jun 11, 2024}}

{{cite web

| publisher = Environment Canada

| url = http://climate.weather.gc.ca/climate_normals/results_1981_2010_e.html?stnID=4832&lang=e&dCode=0&province=ONT&provBut=Go&month1=0&month2=12

| title = Waterloo Wellington A

| work = Canadian Climate Normals 1981–2010

| date = 31 October 2011|access-date = 12 April 2014

| url-status = live

| archive-url = https://web.archive.org/web/20150216095631/http://climate.weather.gc.ca/climate_normals/results_1981_2010_e.html?stnID=4832&lang=e&dCode=0&province=ONT&provBut=Go&month1=0&month2=12

| archive-date = 16 February 2015

|df= dmy-all}}{{cite web

| publisher = Environment Canada

| url = ftp://ftp.tor.ec.gc.ca/Pub/Normals/English/

| title = Waterloo Wellington A

| work = Canadian Climate Normals 1981–2010

| archive-url = https://web.archive.org/web/20200714071822/ftp://ftp.tor.ec.gc.ca/Pub/Normals/English/

| archive-date = 2020-07-14

| url-status = dead

| access-date = September 15, 2013}}

{{cite web

| publisher = Environment Canada

| url = http://climate.weather.gc.ca/historical_data/search_historic_data_stations_e.html?searchType=stnName&timeframe=1&txtStationName=kitchener&searchMethod=contains&StartYear=1840&EndYear=2016&optLimit=specDate&Year=1914&Month=10&Day=31&selRowPerPage=25

| title = Kitchener

| date = 31 October 2011|access-date = 5 August 2016

| url-status = live

| archive-url = https://web.archive.org/web/20160819052139/http://climate.weather.gc.ca/historical_data/search_historic_data_stations_e.html?searchType=stnName&timeframe=1&txtStationName=kitchener&searchMethod=contains&StartYear=1840&EndYear=2016&optLimit=specDate&Year=1914&Month=10&Day=31&selRowPerPage=25

| archive-date = 19 August 2016

| df = dmy-all}}

{{cite web

| publisher = Environment Canada

| url = http://climate.weather.gc.ca/climate_data/daily_data_e.html?hlyRange=%7C&dlyRange=1914-10-01%7C1977-12-31&mlyRange=1914-01-01%7C1977-12-01&StationID=4781&Prov=ON&urlExtension=_e.html&searchType=stnProx&optLimit=yearRange&StartYear=1840&EndYear=2016&selRowPerPage=25&Line=2&txtRadius=25&optProxType=city&selCity=43%7C27%7C80%7C29%7CKitchener&selPark=&txtCentralLatDeg=&txtCentralLatMin=0&txtCentralLatSec=0&txtCentralLongDeg=&txtCentralLongMin=0&txtCentralLongSec=0&timeframe=2&Year=1918&Month=8

| title = Daily Data Report for August 1918

| date = 31 October 2011|access-date = 5 August 2016

| url-status = live

| archive-url = https://web.archive.org/web/20160819033337/http://climate.weather.gc.ca/climate_data/daily_data_e.html?hlyRange=%7C&dlyRange=1914-10-01%7C1977-12-31&mlyRange=1914-01-01%7C1977-12-01&StationID=4781&Prov=ON&urlExtension=_e.html&searchType=stnProx&optLimit=yearRange&StartYear=1840&EndYear=2016&selRowPerPage=25&Line=2&txtRadius=25&optProxType=city&selCity=43%7C27%7C80%7C29%7CKitchener&selPark=&txtCentralLatDeg=&txtCentralLatMin=0&txtCentralLatSec=0&txtCentralLongDeg=&txtCentralLongMin=0&txtCentralLongSec=0&timeframe=2&Year=1918&Month=8

| archive-date = 19 August 2016

| df = dmy-all}}

{{cite web

| publisher = Environment Canada

| url = http://climate.weather.gc.ca/climate_data/daily_data_e.html?hlyRange=%7C&dlyRange=1914-10-01%7C1977-12-31&mlyRange=1914-01-01%7C1977-12-01&StationID=4781&Prov=ON&urlExtension=_e.html&searchType=stnProx&optLimit=yearRange&StartYear=1840&EndYear=2016&selRowPerPage=25&Line=2&txtRadius=25&optProxType=city&selCity=43%7C27%7C80%7C29%7CKitchener&selPark=&txtCentralLatDeg=&txtCentralLatMin=0&txtCentralLatSec=0&txtCentralLongDeg=&txtCentralLongMin=0&txtCentralLongSec=0&timeframe=2&Year=1941&Month=7

| title = Daily Data Report for July 1941

| date = 31 October 2011|access-date = 5 August 2016

| url-status = live

| archive-url = https://web.archive.org/web/20160819045722/http://climate.weather.gc.ca/climate_data/daily_data_e.html?hlyRange=%7C&dlyRange=1914-10-01%7C1977-12-31&mlyRange=1914-01-01%7C1977-12-01&StationID=4781&Prov=ON&urlExtension=_e.html&searchType=stnProx&optLimit=yearRange&StartYear=1840&EndYear=2016&selRowPerPage=25&Line=2&txtRadius=25&optProxType=city&selCity=43%7C27%7C80%7C29%7CKitchener&selPark=&txtCentralLatDeg=&txtCentralLatMin=0&txtCentralLatSec=0&txtCentralLongDeg=&txtCentralLongMin=0&txtCentralLongSec=0&timeframe=2&Year=1941&Month=7

| archive-date = 19 August 2016

| df = dmy-all}}

{{cite web

| publisher = Environment Canada

| url = http://climate.weather.gc.ca/historical_data/search_historic_data_stations_e.html?searchType=stnName&timeframe=1&txtStationName=kitchener%2Fwaterloo&searchMethod=contains&optLimit=yearRange&StartYear=1840&EndYear=2016&Year=2016&Month=8&Day=4&selRowPerPage=25

| title = Kitchener/Waterloo

| date = 31 October 2011|access-date = 5 August 2016

| url-status = live

| archive-url = https://web.archive.org/web/20160819031146/http://climate.weather.gc.ca/historical_data/search_historic_data_stations_e.html?searchType=stnName&timeframe=1&txtStationName=kitchener%2Fwaterloo&searchMethod=contains&optLimit=yearRange&StartYear=1840&EndYear=2016&Year=2016&Month=8&Day=4&selRowPerPage=25

| archive-date = 19 August 2016

| df = dmy-all

}}{{cite web

| publisher = Environment Canada

| url = http://climate.weather.gc.ca/historical_data/search_historic_data_stations_e.html?searchType=stnName&timeframe=1&txtStationName=region+of+waterloo+int%27l+a&searchMethod=contains&optLimit=yearRange&StartYear=1840&EndYear=2016&Year=2016&Month=8&Day=4&selRowPerPage=25

| title = Region of Waterloo Int'l A

| date = 31 October 2011|access-date = 5 August 2016

| url-status = live

| archive-url = https://web.archive.org/web/20160819050107/http://climate.weather.gc.ca/historical_data/search_historic_data_stations_e.html?searchType=stnName&timeframe=1&txtStationName=region+of+waterloo+int%27l+a&searchMethod=contains&optLimit=yearRange&StartYear=1840&EndYear=2016&Year=2016&Month=8&Day=4&selRowPerPage=25

| archive-date = 19 August 2016

| df = dmy-all}}

|date=March 2011}}

{{Historical populations

|percentages = off

|1841|200

|1871|1594

|1881|2066

|1891|2941

|1901|3537

|1911|4359

|1921|5883

|1931|8095

|1941|8968

|1951|11991

|1961|21366

|1971|36677

|1981|49428

|1991|71181

|2001|86543{{Cite web |date=October 22, 2003 |title=Waterloo, Ontario (Code3530016) (table). 2001 Community Profiles. 2001 Census. |url=https://www12.statcan.gc.ca/english/profil01/CP01/Details/Page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=35&Data=Count&SearchText=Waterloo&SearchType=Begins&SearchPR=01&B1=All&GeoLevel=PR&GeoCode=3530016 |access-date=2020-07-12 |author=Statistics Canada |author-link=Statistics Canada |archive-date=July 16, 2020 |archive-url=https://web.archive.org/web/20200716211837/https://www12.statcan.gc.ca/english/profil01/CP01/Details/Page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=35&Data=Count&SearchText=Waterloo&SearchType=Begins&SearchPR=01&B1=All&GeoLevel=PR&GeoCode=3530016 |url-status=live }}

|2006|97475{{Cite web |date=March 13, 2007 |title=Waterloo, Ontario (Code3530016) (table). 2006 Community Profiles. 2006 Census. |url=https://www12.statcan.gc.ca/census-recensement/2006/dp-pd/prof/92-591/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=35&Data=Count&SearchText=Waterloo&SearchType=Begins&SearchPR=01&B1=All&GeoLevel=PR&GeoCode=3530016 |access-date=2020-07-12 |author=Statistics Canada |author-link=Statistics Canada |archive-date=July 20, 2020 |archive-url=https://web.archive.org/web/20200720070051/https://www12.statcan.gc.ca/census-recensement/2006/dp-pd/prof/92-591/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=35&Data=Count&SearchText=Waterloo&SearchType=Begins&SearchPR=01&B1=All&GeoLevel=PR&GeoCode=3530016 |url-status=live }}

|2011|98780{{Cite web |date=October 24, 2012 |title=Waterloo, Ontario (Code 3530016) and Canada (Code 01) (table). Census Profile. 2011 Census. Census Profile. 2011 Census. |url=https://www12.statcan.gc.ca/census-recensement/2011/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=01 |access-date=2020-07-12 |author=Statistics Canada |author-link=Statistics Canada |archive-date=July 16, 2020 |archive-url=https://web.archive.org/web/20200716211746/https://www12.statcan.gc.ca/census-recensement/2011/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=01 |url-status=live }}

|2016|104986{{Cite web |date=November 29, 2017 |title=Waterloo, CY [Census subdivision], Ontario and Kitchener - Cambridge - Waterloo [Census metropolitan area], Ontario (table). Census Profile. 2016 Census. |url=https://www12.statcan.gc.ca/census-recensement/2016/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=CD&Code2=3530 |access-date=2020-07-12 |author=Statistics Canada |author-link=Statistics Canada |archive-date=July 17, 2020 |archive-url=https://web.archive.org/web/20200717015203/https://www12.statcan.gc.ca/census-recensement/2016/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=CD&Code2=3530 |url-status=live }}

|2021|121436

|source = Census of Population

}}

As of the 2021 Canadian census conducted by Statistics Canada, Waterloo has a population of {{val|121436|fmt=commas}}, a change of {{percentage|{{#expr:121436-104986}}|104986|1}} from its 2016 population of {{val|104986|fmt=commas}}. With a land area of {{convert|64.06|km2|sqmi|abbr=on}}, the city has a population density of {{Pop density|121436|64.06|km2|sqmi|prec=1}}. As of 2021, the median age is 36.0 years old, as compared to 37.7 in 2016.{{cite web |title=Census Profile, 2016 Census: Waterloo, City |url=https://www12.statcan.gc.ca/census-recensement/2016/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=35&SearchText=Waterloo&SearchType=Begins&SearchPR=01&B1=All&GeoLevel=PR&GeoCode=3530016&TABID=1&type=0 |url-status=live |archive-url=https://web.archive.org/web/20220325234124/https://www12.statcan.gc.ca/census-recensement/2016/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=35&SearchText=Waterloo&SearchType=Begins&SearchPR=01&B1=All&GeoLevel=PR&GeoCode=3530016&TABID=1&type=0 |archive-date=March 25, 2022 |access-date=October 13, 2021 |website=www12.statcan.gc.ca | date=February 8, 2017 |publisher=Statistics Canada}} Waterloo's median age is 13% lower than Ontario's median age, which is 41.6 years old.{{Cite web |last=Government of Canada |first=Statistics Canada |date=2022-02-09 |title=Profile table, Census Profile, 2021 Census of Population - Ontario [Province] |url=https://www12.statcan.gc.ca/census-recensement/2021/dp-pd/prof/index.cfm?Lang=E |access-date=2022-07-07 |website=www12.statcan.gc.ca}}

At the census metropolitan area (CMA) level in the 2021 census, the Kitchener–Cambridge–Waterloo CMA had a population of {{val|575847|fmt=commas}} living in {{val|219060|fmt=commas}} of its {{val|229809|fmt=commas}} total private dwellings, a change of {{percentage|{{#expr:575847-523894}}|523894|1}} from its 2016 population of {{val|523894|fmt=commas}}. With a land area of {{convert|1092.33|km2|sqmi|abbr=on}}, it had a population density of {{Pop density|575847|1092.33|km2|sqmi|prec=1}} in 2021.

The most common ethnic or cultural origins reported in Waterloo in 2021 were German (17.9%), English (17.0%), Scottish (14.6%), Irish (14.3%), Canadian (10.2%), Chinese (8.9%), Indian (6.4%), French (6.0%), British Isles (4.1%), Polish (4.1%), Dutch (3.9%), Italian (3.3%), and Ukrainian (2.4%).Multiple ethnic/cultural origins can be reported Indigenous people made up 1.3% of the population, mostly First Nations (0.7%) and Métis (0.5%). Ethnocultural backgrounds in the city included European (63.7%), South Asian (10.7%), Chinese (9.2%), Black (3.1%), Arab (2.7%), Latin American (1.9%), West Asian (1.7%), Southeast Asian (1.4%), Korean (1.4), and Filipino (1.0%).

• Note: Totals greater than 100% due to multiple origin responses.

In 2021, 45.8% of the population identified as Christian, with Catholics (17.9%) making up the largest denomination, followed by United Church (3.3%), Lutheran (3.2%), Anglican (2.8%), Orthodox (2.4%), and other denominations. 37.7% of the population reported no religious affiliation. Others identified as Muslim (8.1%), Hindu (4.7%), Sikh (1.2%), Buddhist (1.1%), and with other religions.

English was the mother tongue of 64.6% of the population in 2021. This was followed by Mandarin (6.2%), Arabic (2.2%), German (1.5%), Spanish (1.5%), Hindi (1.3%), Punjabi (1.2%), Korean (1.1%), Iranian Persian (1.0%), Urdu (1.0%), Serbo-Croatian (1.0%), Cantonese (0.9%), and French (0.9%). Of the official languages, 98.2% of the population reported knowing English and 8.8% French.

Image:Sun-life-financial-building-waterloo-ontario.jpg

Image:BMO Building uptown waterloo.jpg

File: Uptown Waterloo, Ontario.jpg

According to the 2016 Canadian Census, Waterloo has a median household income (after tax) of $72,239. This is significantly higher than the national median of $61,348. The unemployment rate in Waterloo (6.9%) is lower than the national rate of 7.7%. The median value of a dwelling in Waterloo ($399,997) is higher than the national median of $341,556.{{Cite web |author=Statistics Canada |author-link=Statistics Canada |date=November 29, 2017 |title=Waterloo, CY [Census subdivision], Ontario and Canada [Country] (table). Census Profile. 2016 Census. |url=https://www12.statcan.gc.ca/census-recensement/2016/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=01 |access-date=2020-07-12 |archive-date=July 24, 2020 |archive-url=https://web.archive.org/web/20200724123147/https://www12.statcan.gc.ca/census-recensement/2016/dp-pd/prof/details/page.cfm?Lang=E&Geo1=CSD&Code1=3530016&Geo2=PR&Code2=01 |url-status=live }} The Intelligent Community Forum named Waterloo the Top Intelligent Community of 2007.{{cite web |title=Intelligent Community Awards 2007 |url=http://www.intelligentcommunity.org/displaycommon.cfm?an=1&subarticlenbr=220 |archive-url=https://web.archive.org/web/20070613112113/http://www.intelligentcommunity.org/displaycommon.cfm?an=1&subarticlenbr=220 |archive-date=June 13, 2007 |access-date=August 8, 2007 |publisher=Intelligent Community Forum}}

Waterloo has a strong knowledge and service-based economy with significant insurance and high-tech sectors as well as two universities.{{cite news

| url = http://www.cbc.ca/canadavotes/riding/146/

| title = Riding profile

| access-date = August 30, 2007

| publisher = Canadian Broadcasting Corporation |archive-url = https://web.archive.org/web/20070612191530/http://www.cbc.ca/canadavotes/riding/146/ |archive-date = June 12, 2007}} The city's largest employers are Sun Life Financial, the University of Waterloo, Manulife Financial, BlackBerry,{{cite web |title=FY 2015 SEC Form 40 |url=http://us.blackberry.com/content/dam/bbCompany/Desktop/Global/PDF/Investors/Documents/2016/Q416_Financial_Statements.pdf |access-date=May 11, 2016 |publisher=Research In Motion Investor Relations |archive-date=April 18, 2016 |archive-url=https://web.archive.org/web/20160418104517/http://us.blackberry.com/content/dam/bbCompany/Desktop/Global/PDF/Investors/Documents/2016/Q416_Financial_Statements.pdf |url-status=live }} Sandvine and Wilfrid Laurier University.{{Cite news |title=Investment prospectus |url=http://www.city.waterloo.on.ca/Portals/57ad7180-c5e7-49f5-b282-c6475cdb7ee7/CS_EDM_documents/Invest_Per09.pdf |url-status=dead |access-date=December 7, 2011 |archive-url=https://web.archive.org/web/20110827200040/http://city.waterloo.on.ca/Portals/57ad7180-c5e7-49f5-b282-c6475cdb7ee7/CS_EDM_documents/Invest_Per09.pdf |archive-date=August 27, 2011 |quote=Wilfrid Laurier University Staff Count}}

Before it became known for technology, Waterloo was sometimes referred to as "the Hartford of Canada" because of the many insurance companies based in the area. Insurance companies founded in Waterloo include:Elizabeth Bloomfield, Waterloo Township through Two Centuries, (Waterloo Historical Society, 1995), 442.

• Waterloo Mutual Insurance (1863) – acquired by Economical Insurance in 1980
• North Waterloo Farmers Mutual Insurance (1874) – merged with Oxford Mutual in 2016 to form Heartland Farm Mutual
• Mutual Life Assurance (1868) – acquired by Sun Life in 2002
• Mercantile Fire Insurance (1875) – acquired by London and Lancashire in 1896 and moved to Toronto"An insurance deal," The Globe, (11 February 1896), 5.
• Dominion Life Assurance (1889) – acquired by Manulife in 1985
• Equitable Life Insurance (1920)
• Merchants Casualty Insurance Company (1924) – acquired by Economical Insurance in 1936"Economical will buy Waterloo firm," Kitchener Daily Record, (15 December 1936), 1.
• Pilot Automobile and Accident Insurance (1927) – now a subsidiary of Aviva CanadaGeorge W. Stark, The Best Policy: The Story of Standard Accident Insurance Company, (Powers, 1959), 162-3.
• Canada Health and Accident Assurance Corporation (1945) – merged into CNA Assurance in 1972Henry Koch, "Talking business," Kitchener–Waterloo Record, (6 April 1972), 22.

The city is part of Canada's Technology Triangle (CTT), a joint economic development initiative of Waterloo, Kitchener, Cambridge and the Region of Waterloo that markets the region internationally. Despite its name, CTT does not focus exclusively on promoting technology industries, but on all aspects of economic development.

Waterloo has a strong technology sector with hundreds of high-tech firms. The dominant technology company in the city is BlackBerry, makers of the BlackBerry, which has its headquarters in the city and owns several office buildings near the University of Waterloo's main campus.

Notable Waterloo-based high-tech companies include:

• Aeryon Labs
• BlackBerry
• Dalsa
• Descartes Systems Group
• Google (in neighbouring Kitchener)
• Kik Messenger (in neighbouring Kitchener)
• Maplesoft
• MKS Inc.
• ON Semiconductor
• OpenText Corporation
• Sandvine
• Vidyard

Many other high-tech companies, with headquarters elsewhere, take advantage of the concentration of high-tech employees in the Waterloo area, and have research and development centres there. Shopify, SAP, Google, Oracle, Intel, McAfee, NCR Corporation, Electronic Arts and Agfa are among the large, international technology companies with development offices in Waterloo.

Waterloo is home to two major universities, the University of Waterloo and Wilfrid Laurier University.

The city is also home to three well-known think tanks – the Perimeter Institute for Theoretical Physics, an advanced centre for the study of foundational, theoretical physics and award-winning educational outreach in science; the Institute for Quantum Computing, based at the University of Waterloo, which carries out innovative research in the computer, engineering, mathematical and physical sciences; and the Centre for International Governance Innovation, an independent, nonpartisan think tank that addresses international governance challenges.

Breweries and distilleries had been a significant industry in the Waterloo area until 1993 when a Labatt-owned brewery was shut down. The Brick Brewing Company operated in Waterloo but is now based in Kitchener. Waterloo was the original home of distiller Seagram (also the home town of many descendants of J.P. Seagram), which closed its Waterloo plant in 1992. Of the remaining Seagram buildings, one became home of the Centre for International Governance Innovation (CIGI), while others were converted into condominiums.

The city encourages location filming of movies and TV series and many have taken advantage of Waterloo locations. Examples include Downsizing (released in 2017), The Demolisher (2015) and Degrassi: The Next Generation (2015).{{cite web |url=https://www.imdb.com/search/title?locations=Waterloo,%20Ontario,%20Canada |title=Waterloo Locations |author= |date=2017 |website=IMDB |access-date=12 March 2017 |archive-date=March 13, 2017 |archive-url=https://web.archive.org/web/20170313051058/http://www.imdb.com/search/title?locations=Waterloo,%20Ontario,%20Canada |url-status=live }}

{{See also|Kitchener, Ontario#Culture}}

File:Elizabeth Witmer taps keg.jpg taps a keg to begin 1996's KW Oktoberfest]]

Kitchener–Waterloo Oktoberfest is a nine-day Oktoberfest celebration held in both Kitchener and Waterloo.{{Cite web |last=Butler |first=Colin |date=October 11, 2013 |title=26 facts about Kitchener-Waterloo Oktoberfest |url=https://www.cbc.ca/news/canada/kitchener-waterloo/26-facts-about-kitchener-waterloo-oktoberfest-1.1991001 |access-date=June 18, 2022 |archive-date=January 19, 2021 |archive-url=https://web.archive.org/web/20210119130345/https://www.cbc.ca/news/canada/kitchener-waterloo/26-facts-about-kitchener-waterloo-oktoberfest-1.1991001 |url-status=live }}{{Cite web |date=2021-08-17 |title=What to expect at the 2021 Kitchener-Waterloo Oktoberfest |url=https://kitchener.ctvnews.ca/what-to-expect-at-the-2021-kitchener-waterloo-oktoberfest-1.5550239 |access-date=2022-06-18 |website=CTV Kitchener |language=en |archive-date=August 18, 2021 |archive-url=https://web.archive.org/web/20210818110419/https://kitchener.ctvnews.ca/what-to-expect-at-the-2021-kitchener-waterloo-oktoberfest-1.5550239 |url-status=live }} It is the second largest Oktoberfest celebration in the world,{{Cite web |date=October 7, 2016 |title=PM Justin Trudeau taps the keg at K-W Oktoberfest |url=https://www.cbc.ca/news/canada/kitchener-waterloo/trudeau-keg-tap-kw-oktoberfest-1.3795834 |access-date=June 18, 2022 |archive-date=October 8, 2018 |archive-url=https://web.archive.org/web/20181008073017/https://www.cbc.ca/news/canada/kitchener-waterloo/trudeau-keg-tap-kw-oktoberfest-1.3795834 |url-status=live }} and the largest outside of Germany. In 2013, CBC reported that the festival receives over 700,000 annual visitors, has 1,780 volunteers, was broadcast to 1.8 million national television viewers, and generated an estimated $21 million of economic activity. Tri-Pride is a non-profit LGBT pride festival held annually during Pride Month in the "tri-cities" of Cambridge, Kitchener and Waterloo.{{Cite web |date=June 2, 2019 |title=Pride march celebrates LGBT community in Waterloo region |url=https://www.cbc.ca/news/canada/kitchener-waterloo/pride-march-celebrates-lgbt-community-waterloo-region-1.5159306 |access-date=June 18, 2022 |archive-date=September 3, 2020 |archive-url=https://web.archive.org/web/20200903083508/https://www.cbc.ca/news/canada/kitchener-waterloo/pride-march-celebrates-lgbt-community-waterloo-region-1.5159306 |url-status=live }}{{Cite web |date=2022-06-04 |title=Tri-Pride Summer Festival returns to Kitchener's Victoria Park |url=https://kitchener.ctvnews.ca/tri-pride-summer-festival-returns-to-kitchener-s-victoria-park-1.5933279 |access-date=2022-06-18 |website=CTV Kitchener |language=en |archive-date=June 12, 2022 |archive-url=https://web.archive.org/web/20220612025756/https://kitchener.ctvnews.ca/tri-pride-summer-festival-returns-to-kitchener-s-victoria-park-1.5933279 |url-status=live }}

The Kitchener–Waterloo Symphony is located in Kitchener. According to their website, they perform over 222 concerts annually to an audience of over 90,000, both in the concert hall and across the Waterloo Region.{{cite web |title=About the Kitchener-Waterloo Symphony |url=https://kwsymphony.ca/about/ |website=About - KW Symphony |publisher=Kitchener-Waterloo Symphony |access-date=26 September 2021 |archive-date=November 20, 2021 |archive-url=https://web.archive.org/web/20211120010441/https://kwsymphony.ca/about/ |url-status=live }} The Waterloo Busker Carnival is a busking festival held annually in August in Waterloo public square.{{Cite web |title=Buskers ready for a party |url=https://www.waterloochronicle.ca/whatson-story/5892350-buskers-ready-for-a-party/ |access-date=2022-06-18 |website=WaterlooChronicle.ca |date=August 20, 2013 |language=en-CA |archive-date=June 19, 2022 |archive-url=https://web.archive.org/web/20220619190731/https://www.waterloochronicle.ca/whatson-story/5892350-buskers-ready-for-a-party/ |url-status=live }}{{Cite web |title=Waterloo Busker Carnival making a comeback in 2022 |url=https://kitchener.citynews.ca/local-news/waterloo-busker-carnival-making-a-comeback-in-2022-5180650 |access-date=2022-06-18 |website=CityNews Kitchener |language=en |archive-date=March 25, 2022 |archive-url=https://web.archive.org/web/20220325111940/https://kitchener.citynews.ca/local-news/waterloo-busker-carnival-making-a-comeback-in-2022-5180650 |url-status=live }} Admission is free, and the festival has been operating since 1989. The Rainbow Reels Queer and Trans Film Festival is an annual LBGT film festival which screens at Princess Twin Cinemas in Uptown Waterloo."Queer Film Festival coming to Waterloo: Rainbow Reels screening 12 films at Princess Twin". Waterloo Region Record, February 24, 2012.{{Cite web |date=October 19, 2017 |title=17th Rainbow Reels film fest hopes to connect communities |url=https://www.cbc.ca/news/canada/kitchener-waterloo/rainbow-reels-film-fest-lgbtq-stories-1.4362020 |access-date=June 18, 2022 |archive-date=December 26, 2017 |archive-url=https://web.archive.org/web/20171226093049/http://www.cbc.ca/news/canada/kitchener-waterloo/rainbow-reels-film-fest-lgbtq-stories-1.4362020 |url-status=live }}

The Waterloo Festival for Animated Cinema was an annual film festival dedicated to feature-length animation films.{{Cite web |date=2013-11-12 |title=Some of filmmaking's true geniuses found in film animation |url=https://www.therecord.com/entertainment/2013/11/12/some-of-filmmaking-s-true-geniuses-found-in-film-animation.html |access-date=2022-06-18 |website=therecord.com |language=en |archive-date=June 19, 2022 |archive-url=https://web.archive.org/web/20220619190732/https://www.therecord.com/entertainment/2013/11/12/some-of-filmmaking-s-true-geniuses-found-in-film-animation.html |url-status=live }}{{Cite web |last=Beck |first=Jerry |date=2013-11-05 |title=Waterloo Festival Announces Its Showcase of Animated Features |url=https://www.indiewire.com/2013/11/waterloo-festival-announces-its-showcase-of-animated-features-124665/ |access-date=2022-06-18 |website=IndieWire |language=en |archive-date=April 17, 2021 |archive-url=https://web.archive.org/web/20210417184749/https://www.indiewire.com/2013/11/waterloo-festival-announces-its-showcase-of-animated-features-124665/ |url-status=live }} It was held from 2001 to 2013. The International Olympiad in Informatics, a competitive programming competition for secondary school students, was held in Waterloo in 2010.{{Cite web |last=Mirror |first=Scarborough |title=Double win for student at international competition |url=https://www.toronto.com/news/double-win-for-student-at-international-competition/article_66625334-e969-5e0c-98f4-4113556c13c4.html |access-date=2022-06-18 |website=Toronto |date=August 27, 2010 |language=en |archive-date=June 19, 2022 |archive-url=https://web.archive.org/web/20220619190735/https://www.toronto.com/news/double-win-for-student-at-international-competition/article_66625334-e969-5e0c-98f4-4113556c13c4.html |url-status=live }}

Image:Perimeter Institute Pano edit2.jpg in Uptown]]

Waterloo's local tourist attractions and areas of interest include: the Canadian Clay and Glass Gallery, the Waterloo Central Railway, the City of Waterloo Museum,{{Cite web |date=August 10, 2021 |title=City of Waterloo Museum |url=https://www.waterloo.ca/en/things-to-do/city-of-waterloo-museum.aspx |url-status=live |archive-url=https://web.archive.org/web/20201130035353/https://www.waterloo.ca/en/things-to-do/city-of-waterloo-museum.aspx |archive-date=November 30, 2020 |access-date=December 22, 2020}} a statue of monkeys entitled "Banana",{{Cite web |date=July 16, 2020 |title=Eye-catching primate sculpture unveiled outside new condo at former Brick Brewery |url=https://kitchener.ctvnews.ca/eye-catching-primate-sculpture-unveiled-outside-new-condo-at-former-brick-brewery-1.5023642 |url-status=live |archive-url=https://web.archive.org/web/20210206164616/https://kitchener.ctvnews.ca/eye-catching-primate-sculpture-unveiled-outside-new-condo-at-former-brick-brewery-1.5023642 |archive-date=February 6, 2021 |access-date=February 3, 2021}} the Perimeter Institute for Theoretical Physics, the St. Jacobs Farmers' Market{{Cite web |date=2022-06-02 |title=A new kind of strawberry social at the farmers' market |url=https://observerxtra.com/2022/06/02/a-new-kind-of-strawberry-social-at-the-farmers-market/ |access-date=2022-07-17 |website=THE OBSERVER |language=en-US}} (although the market is just outside city limits), University of Waterloo's Earth Sciences Museum, and Conestoga Mall.

{{External media|width=|float=right|title=External interactive map|model1=[http://maps.waterloo.ca/Html5Viewer/?viewer=waterlooviewer&LayerTheme=Active%20Transportation&_ga=2.204107472.1185111327.1535376049-218743408.1525960335 An interactive map created by the city, depicting the city's recreation facilities.] Index: parks are outlined in thin green, outdoor skating rinks are cyan markers, cycling infrastructure are thick lines and trails are thick blue lines}}

Waterloo's parks and recreation facilities mainly comprise Waterloo Park, Bechtel Park, Laurel Creek Conservation Area, the Waterloo Memorial Recreation Complex, RIM Park, and over {{convert|150|km}} of mixed-use trails.

Created in 1890,{{Sfn|McLaughlin|Jaeger|2007|pp=214}} {{convert|45|hectare |acre|adj=on}} Waterloo Park is an urban park in Uptown Waterloo which includes an animal farm, sports fields, and a splash pad.{{Cite web |title=Waterloo Park |url=https://www.waterloo.ca/en/things-to-do/waterloo-park.aspx |website=waterloo.ca|date=June 2023 }} It is the oldest park in the city; the mixed-use Laurel Trail and the rapid transit Ion line both run through the park.{{Cite web |date=2018-07-26 |title=$2.5-million trail project in Waterloo Park now complete |url=https://www.therecord.com/news/waterloo-region/2018/07/26/2-5-million-trail-project-in-waterloo-park-now-complete.html |access-date=2022-07-06 |website=therecord.com |language=en}} {{convert|44|ha|acre|abbr=off|adj=on}} Bechtel Park is located in eastern Waterloo, and houses a dog park, three soccer fields, a field house, and more.{{Cite web |title=Bechtel Park |url=https://www.waterloo.ca/en/things-to-do/bechtel-park.aspx |website=www.waterloo.ca|date=February 9, 2023 }} Laurel Creek Conservation Area is in western Waterloo—north-west of University of Waterloo's Environmental Reserve—and houses 122 campsites, {{convert|4.5|km}} of trails, and facilities for canoeing, swimming, windsurfing, cycling, and sailing.{{Cite web |title=Camping at Laurel Creek Conservation Area |url=https://explorewaterloo.ca/listing/camping-at-laurel-creek-conservation-area/ |access-date=2022-07-07 |website=Explore Waterloo Region |language=en-US |archive-date=January 21, 2022 |archive-url=https://web.archive.org/web/20220121020429/https://explorewaterloo.ca/listing/camping-at-laurel-creek-conservation-area/ |url-status=dead }}{{Cite web |date=2022-05-31 |title=Laurel Creek |url=https://www.grandriver.ca/en/outdoor-recreation/Laurel-Creek.aspx |access-date=2022-07-07 |website=www.grandriver.ca |language=en}}

File:Waterloo Memorial Recreation Complex Interior - Waterloo, ON.jpg]]

The Waterloo Memorial Recreation Complex, then described as the "largest and most expensive project in the city's history", opened in 1993.{{Sfn|McLaughlin|Jaeger|2007|pp=193–194}} It includes an arena seating 3,500, swimming and banquet facilities, and an indoor track.{{Sfn|McLaughlin|Jaeger|2007|pp=193–194}} {{convert|123|hectare |acre|adj=on}} RIM Park, originally called Millennium Park, opened in September 2001.{{Sfn|McLaughlin|Jaeger|2007|pp=195}} Its features include outdoor soccer fields, ice rinks, baseball diamonds, basketball courts, meeting rooms and more.{{Sfn|McLaughlin|Jaeger|2007|pp=195}} RIM Park is in proximity to the Walter Bean Grand River Trail, Grey Silo Golf Course, and Waterloo Public Library's Eastside Branch.{{Sfn|McLaughlin|Jaeger|2007|pp=195}}{{Cite web |last=Versolatto |first=Tegan |date=2019-12-17 |title=Design revealed for Waterloo's $10M east side library branch |url=https://kitchener.ctvnews.ca/mobile/design-revealed-for-waterloo-s-10m-east-side-library-branch-1.4733267 |access-date=2022-06-24 |website=Kitchener |language=en}} There are a number of small playgrounds, woodlots, and recreation facilities around Waterloo which are not mentioned above due to their size.

File:Walter Bean Grand River Trail June 2021.jpg, with the Grand River seen in the background]]

Trails for walking, hiking, and biking play an important part in Waterloo's recreational infrastructure. Waterloo had {{convert|150|km}} of trails by 2007, as compared to {{convert|10|km}} of trails in 1987.{{Sfn|McLaughlin|Jaeger|2007|pp=193}} The {{convert|5|km|adj=on}} Iron Horse Trail, connecting Waterloo and Kitchener, opened in 1997.{{Sfn|McLaughlin|Jaeger|2007|pp=191}} Then-mayor Joan McKinnon brought upon the connection of the Trans Canada Trail into the Waterloo Region, which ran from the Iron Horse Trail to Waterloo's northern boundary.{{Sfn|McLaughlin|Jaeger|2007|pp=193}}

The {{convert|76|km|adj=on}}{{Cite book |last=Arial |first=Tracey |url=https://www.worldcat.org/oclc/57339561 |title=Hiking in Ontario |date=2005 |publisher=Éditions Ulysse |isbn=2-89464-683-6 |edition=2 |location=Montréal |pages=113 |oclc=57339561}} Walter Bean Grand River Trail, announced in 1999, served to create an accessible trail along the Grand River.{{Sfn|McLaughlin|Jaeger|2007|pp=193}} Waterloo: An Illustrated History, 1857–2007 states, "[the trail] was particularly needed in Waterloo as the river's geographic location on the edge of the city meant that, unlike so many other Canadian cities, the river had not historically played a central role in the community."{{Sfn|McLaughlin|Jaeger|2007|pp=193}}

In July 2002, Waterloo, along with Kitchener, hosted the Ontario Summer Games.{{Sfn|McLaughlin|Jaeger|2007|pp=194}} The following sports teams are based in Waterloo: Waterloo Wildfire (National Ringette League), Waterloo Siskins (Greater Ontario Junior Hockey League), Waterloo United (League One Ontario), Wilfrid Laurier Golden Hawks, and Waterloo Warriors.

Image: Waterloo Ontario City Hall Pano.jpg

Waterloo was part of Waterloo County until 1973 when a restructuring created the Regional Municipality of Waterloo, which consists of the cities of Waterloo, Kitchener, and Cambridge, and the townships of Woolwich, Wilmot, Wellesley, and North Dumfries. The Region handles many services, including paramedic services, policing, waste management, recreation, planning, roads and social services.{{cite web |author= |date=10 October 2012 |title=Get to Know Us During Local Government Week |url=http://www.regionofwaterloo.ca/en/newslist/index.aspx?corpId=58cynQlfgqiAYQyTLmpurQeQuAleQuAl&newsId=QXgUIE1G6huJ6eu741OyPlUsgeQuAleQuAl |url-status=dead |archive-url=https://web.archive.org/web/20130322030411/http://www.regionofwaterloo.ca/en/newslist/index.aspx?corpId=58cynQlfgqiAYQyTLmpurQeQuAleQuAl&newsId=QXgUIE1G6huJ6eu741OyPlUsgeQuAleQuAl |archive-date=March 22, 2013 |access-date=23 March 2013 |website=Waterloo Region }} The Waterloo Award, established in 1997, is the highest civic honour a person can receive from the City of Waterloo.{{cite web |title=Waterloo Award |url=http://www.waterloo.ca/en/government/waterlooaward.asp |url-status=live |archive-url=https://web.archive.org/web/20171201033948/http://www.waterloo.ca/en/government/waterlooaward.asp |archive-date=December 1, 2017 |access-date=November 18, 2017 |publisher=The City of Waterloo}}

Waterloo City Council consists of a mayor and seven councillors, each representing a ward. The number of wards was increased from five to seven in the November 2006 elections. As of 2022, the mayor of Waterloo is Dorothy McCabe, elected in October 2022. The current Waterloo councillors are as follows, as of 2022, listed by ascending ward number: Sandra Hanmer (Southwest Ward), Royce Bodaly (Northwest Ward), Hans Roach (Lakeshore Ward), Diane Freeman (Northeast Ward), Jen Vasic (Southeast Ward), Mary Lou Roe (Central-Columbia Ward), and Julie Wright (Uptown Ward).{{Cite web |date=June 10, 2022 |title=City council |url=https://www.waterloo.ca/en/government/city-council.aspx |access-date=July 7, 2022 |website=www.waterloo.ca}}

In politics, Waterloo is within the federal electoral district of Waterloo, and within the provincial electoral district also named Waterloo.

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{{maplink|type=line|id=Q639408|frame=yes|text=The road system and city limits of Waterloo}}{{See also|List of numbered roads in Waterloo Region}}

The controlled-access Highway 85, part of the larger Conestoga Parkway, is the only provincial highway that runs through Waterloo. To the north, the divided freeway ends at the city limit, and the road becomes Waterloo Regional Road 85, which accesses St. Jacobs and Elmira, before ending in Elmira. To the south, Highway 85 becomes Highway 7 within Kitchener, before diverging into eastbound Highway 8 (to Cambridge, Highway 401 interchange, and Hamilton) and westbound Highway 7/8 (to New Hamburg, Stratford, and Goderich). Highway 85 has 5 interchanges within Waterloo, from north to south, with the regional road number in brackets: King Street (15), Northfield Drive (50), King Street (15), University Avenue (57), and Bridgeport Road (9).

{{Main|Grand River Transit|Ion rapid transit}}

File:Ion Flexity Freedom 507 Queen Station.jpg in 2018]]

Public transport throughout the Waterloo Region is provided by Grand River Transit (GRT), which provides service for various bus routes and the Ion rapid transit line. The Ion is a light rail line providing service to 19 stations, from Conestoga station (Conestoga Mall in Waterloo) to Fairway station (Fairview Park Mall in Kitchener). The line connects downtown Kitchener and uptown Waterloo. GRT operates local and express bus routes within Waterloo, with connections to Kitchener. Waterloo is served by GO buses which stop at the University of Waterloo and Wilfrid Laurier University, with destinations of Square One City Centre Terminal, Milton GO Station, and York University.

File:Region of Waterloo International Airport.JPG]]

Waterloo is not currently served by any regularly scheduled passenger rail service. The nearby Kitchener station is accessible from Waterloo through buses or a transfer from Ion's Kitchener Central Station. Kitchener station is serviced by the Kitchener line and the Corridor, operated by GO Transit and Via Rail respectively.{{Cite web |date=2012-06-29 |title=Via Rail blames low ridership for cuts to Kitchener service |url=https://www.therecord.com/news/waterloo-region/2012/06/29/via-rail-blames-low-ridership-for-cuts-to-kitchener-service.html |access-date=2022-07-17 |website=therecord.com |language=en}}{{Cite web |title=Train routes in Ontario and Quebec - Quebec-Windsor Corridor {{!}} VIA Rail |url=https://www.viarail.ca/en/explore-our-destinations/trains/ontario-and-quebec |access-date=2022-07-17 |website=www.viarail.ca |language=en-ca}} Both services are infrequent. On weekdays, the commuter rail GO trains run eastbound (to Toronto) nine times per day, and westbound eight times per day.{{Cite web |last=GO Transit |title=Kitchener: GO Train and Bus Schedule |url=https://www.gotransit.com/static_files/gotransit/assets/pdf/TripPlanning/FullSchedules/FS25062022/TABLE31.pdf |access-date=July 17, 2022 |archive-date=June 29, 2022 |archive-url=https://web.archive.org/web/20220629030822/https://www.gotransit.com/static_files/gotransit/assets/pdf/TripPlanning/FullSchedules/FS25062022/TABLE31.pdf |url-status=dead }} No Kitchener line trains are run on the weekends. Including weekends, Via Rail operates one train per day, both westbound and eastbound.{{Cite web |title=Train Schedule: Toronto - London - Sarnia {{!}} VIA Rail |url=https://www.viarail.ca/en/plan-your-trip/train-schedules/toronto-london-sarnia |access-date=2022-07-17 |website=www.viarail.ca}}{{Cite web |title=Train Schedule: Sarnia - London - Toronto {{!}} VIA Rail |url=https://www.viarail.ca/en/plan-your-trip/train-schedules/sarnia-london-toronto |access-date=2022-07-17 |website=www.viarail.ca}}

The non-profit tourist railway Waterloo Central Railway is a revival of the Waterloo-St. Jacobs Railway. It departs from the St. Jacobs Farmers Market and runs trains at 10 am, 12 pm, and 2 pm from April to November. The Waterloo Station continues to operate as a Visitor & Heritage Information Centre.{{cite web |date=July 16, 2021 |title=Visitor and Heritage Information Centre |url=http://www.waterloo.ca/en/government/visitorandheritageinformationcentre.asp |url-status=live |archive-url=https://web.archive.org/web/20150906224321/http://www.waterloo.ca/en/government/visitorandheritageinformationcentre.asp |archive-date=September 6, 2015 |access-date=June 23, 2015 |website=www.waterloo.ca}}

The Region of Waterloo International Airport in nearby Breslau serves Waterloo and the surrounding region, although it is not heavily served by scheduled airlines. Most air travellers use Toronto's Lester B. Pearson International Airport or John C. Munro Hamilton International Airport.{{Citation needed|date=July 2022}} As of 2022, the Region of Waterloo International Airport has year round flights to Calgary, Cancun, Charlottetown, Deer Lake, Edmonton, Halifax, Kelowna, Vancouver, and Winnipeg.{{Cite web |date=2022-07-07 |title=Destinations |url=https://www.waterlooairport.ca/en/passengers/destinations.aspx |access-date=2022-07-17 |website=www.waterlooairport.ca |language=en}} The airport has seasonal flights to Montreal and Ottawa. As of 2022, the airport's airlines are Flair Airlines, Pivot Airlines, and WestJet.

File: St. Mary's General Hospital Kitchener Ontario 2015.jpg

There are no hospitals in Waterloo, but neighbouring Kitchener has Grand River Hospital (which has a secondary site, the Freeport Campus){{cite web |date=2017-11-15 |title=Freeport Campus: 3570 King Street East, Kitchener |url=http://www.grhosp.on.ca/care/locations/freeportcampus |url-status=live |archive-url=https://web.archive.org/web/20181230233907/http://www.grhosp.on.ca/care/locations/freeportcampus |archive-date=December 30, 2018 |access-date=2018-12-30 |publisher=GRH}} and St. Mary's General Hospital.{{cite web|url=https://www.regionofwaterloo.ca/en/living-here/hospitals.aspx|title=Hospitals|publisher=Region of Waterloo|date=2011-02-15|access-date=2018-12-30|archive-date=December 30, 2018|archive-url=https://web.archive.org/web/20181230234123/https://www.regionofwaterloo.ca/en/living-here/hospitals.aspx|url-status=live}} Both were ranked highly for safety in a national comparison study in 2017–2018, but would benefit from reduced wait times.{{cite news|title=Waterloo Region hospitals rank well on readmissions, but wait times need work|date=29 November 2018|url=https://www.therecord.com/news-story/9058746-waterloo-region-hospitals-rank-well-on-readmissions-but-wait-times-need-work/|work=Waterloo Region Record|access-date=30 December 2018|quote=Area hospitals ranked well in patient readmissions, but wait times need improving.|archive-date=June 19, 2022|archive-url=https://web.archive.org/web/20220619190737/https://www.therecord.com/news/waterloo-region/2018/11/29/waterloo-region-hospitals-rank-well-on-readmissions-but-wait-times-need-work.html|url-status=live}} Long-term care beds are provided at numerous facilities.{{cite web |url=https://www.wwhealthline.ca/listServices.aspx?id=10665®ion=KitchenerWaterlooWellesleyWilmotWoolwich |title=Long-Term Care Homes - Kitchener–Waterloo–Wellesley–Wilmot–Woolwich |publisher=Health Line |date=2018-01-03 |access-date=2018-12-30 |archive-date=December 31, 2018 |archive-url=https://web.archive.org/web/20181231042931/https://www.wwhealthline.ca/listServices.aspx?id=10665®ion=KitchenerWaterlooWellesleyWilmotWoolwich |url-status=live }} Grand River Hospital has a capacity of 574-beds; the Freeport location was merged into it in April 1995.{{cite web |date=2017-11-15 |title=About GRH |url=http://www.grhosp.on.ca/about |url-status=live |archive-url=https://web.archive.org/web/20181227074957/http://www.grhosp.on.ca/about |archive-date=December 27, 2018 |access-date=2018-12-30 |publisher=GRH}} St. Mary's General Hospital is a 150-bed adult acute-care facility and includes the Regional Cardiac Care Centre with two cardiovascular operating rooms, an eight-bed cardiovascular intensive care unit and 45 inpatient beds.{{cite web |date=2018-09-15 |title=Regional Cardiac Care Centre |url=http://www.smgh.ca/patient-care-programs/regional-cardiac-care-centre/ |url-status=dead |archive-url=https://web.archive.org/web/20181231043008/http://www.smgh.ca/patient-care-programs/regional-cardiac-care-centre/ |archive-date=December 31, 2018 |access-date=2018-12-30 |publisher=SMGH}}{{cite web |date=2018-09-15 |title=About Us |url=http://www.smgh.ca/about-us/who-we-are/st-marys-statistics-facts-faqs/ |url-status=dead |archive-url=https://web.archive.org/web/20181230233624/http://www.smgh.ca/about-us/who-we-are/st-marys-statistics-facts-faqs/ |archive-date=December 30, 2018 |access-date=2018-12-30 |publisher=SMGH}}

Region of Waterloo Paramedic Services and Waterloo Fire Rescue respond to medical emergencies within the city of Waterloo. Region of Waterloo Paramedic Services may transport patients to either Grand River Hospital or St. Mary's General Hospital emergency departments, depending on proximity, anticipated wait times and the type of emergency.

Family doctors are often in short supply and a source of great concern among residents. Recruiting efforts over the previous 15 years achieved some success as of September 2018, but needed to be continued.{{cite news|title=Doctor recruitment an ongoing issue in Waterloo Region|date=18 September 2018|url=https://www.therecord.com/news-story/8910318-doctor-recruitment-an-ongoing-issue-in-waterloo-region/|work=Waterloo Region Record|access-date=30 December 2018|quote=Although recruitment efforts over the past 15 years or so have brought many new physicians to the area, many residents are without a family doctor.|archive-date=June 19, 2022|archive-url=https://web.archive.org/web/20220619190738/https://www.therecord.com/news/waterloo-region/2018/09/18/doctor-recruitment-an-ongoing-issue-in-waterloo-region.html|url-status=live}}

{{Main|Waterloo Public Library}}

File:Albert St entrance, Waterloo Public Library (23112152935).jpg

The Waterloo Public Library was founded in 1888. As of 2022, the library has 4 branches (in order of opening): the Main Branch, the Albert McCormick Branch, the John M. Harper Branch and the Eastside Branch.{{Cite web |date=2021-02-25 |title=Locations and Hours |url=https://www.wpl.ca/your-library/locations-and-hours |access-date=2022-06-20 |website=Waterloo Public Library |language=en}} The Eastside Branch, opened May 7, 2022, is the newest branch built.{{Cite web |date=2022-04-05 |title=Waterloo's new Eastside library opens May 7 |url=https://www.therecord.com/news/waterloo-region/2022/04/05/waterloos-new-eastside-library-opens-may-7.html |access-date=2022-06-20 |website=therecord.com |language=en}} The $10-million library is built into the existing RIM Park Manulife Sportsplex and has around 35,000 books.

Fire protection and rescue services are provided by Waterloo Fire Rescue, a service of the City of Waterloo. As of 2020, there are four active fire stations in Waterloo. Waterloo Fire Rescue responds to fires, medical emergencies, car accidents and chemical incidents.{{cite web |title=Fire and emergency services |date=June 24, 2019 |url=https://www.waterloo.ca/en/living/fire-and-emergency-services.aspx |publisher=City of Waterloo |access-date=7 March 2020 |archive-date=March 26, 2020 |archive-url=https://web.archive.org/web/20200326223938/https://www.waterloo.ca/en/living/fire-and-emergency-services.aspx |url-status=live }} (Region of Waterloo Paramedic Services also responds to medical emergencies.) When the two-tier regional government system was implemented in the early 1970s, police service was moved to the regional government, but fire service remained at the local municipality (city or township) level. From time to time, the media and interested parties raise the question of whether this service should remain at the city level, or whether there might be cost savings or service improvements if the various fire services were merged into regional fire service. A 2019 newspaper article stated that "there would likely be no cost savings, but service would improve under [a] regionalized system," in the view of some former fire chiefs.{{cite news |last1=Jackson |first1=Adam |last2=Jackson |first2=Bill |title=Region of Waterloo Fire Department? It's a possibility |url=https://www.waterloochronicle.ca/news-story/9227753-region-of-waterloo-fire-department-it-s-a-possibility/ |access-date=7 March 2020 |work=Waterloo Chronicle |date=March 18, 2019 |archive-date=March 21, 2019 |archive-url=https://web.archive.org/web/20190321145814/https://www.waterloochronicle.ca/news-story/9227753-region-of-waterloo-fire-department-it-s-a-possibility/ |url-status=live }}

Waterloo Regional Police Service, the seventh-largest police service in the province of Ontario, provides general police service in the city of Waterloo.{{cite web |title=About Us |url=https://www.wrps.on.ca/en/about-us/about-us.aspx |publisher=Waterloo Regional Police |access-date=7 March 2020 |archive-date=March 14, 2020 |archive-url=https://web.archive.org/web/20200314212741/https://www.wrps.on.ca/en/about-us/about-us.aspx |url-status=live }} The Waterloo Regional Police North Division is located at 45 Columbia Street East, Waterloo. Waterloo Regional Police also serve the municipalities of Kitchener and Cambridge and the Townships of Wellesley, Wilmot, Woolwich and North Dumfries. City of Waterloo bylaws controlling matters such as parking, weeds and noise are enforced by city bylaw enforcement officers.{{cite web |title=Bylaws and enforcement |url=https://www.waterloo.ca/en/living/bylaws-and-enforcement.aspx |website=www.waterloo.ca |publisher=City of Waterloo |access-date=7 March 2020 |language=en |date=4 March 2020 |archive-date=March 26, 2020 |archive-url=https://web.archive.org/web/20200326224755/https://www.waterloo.ca/en/living/bylaws-and-enforcement.aspx |url-status=live }} The two universities each have special constables who are first responders to all emergencies at their respective university campuses. Special Constables may lay charges and/or make arrests under the same legal authority as police officers.{{cite web |title=Special Constable Service {{!}} Students - Wilfrid Laurier University |url=https://students.wlu.ca/wellness-and-recreation/safety/special-constable-service/index.html |website=students.wlu.ca |publisher=Wilfrid Laurier University |access-date=7 March 2020 |archive-date=April 1, 2020 |archive-url=https://web.archive.org/web/20200401171312/https://students.wlu.ca/wellness-and-recreation/safety/special-constable-service/index.html |url-status=live }} As of 2019, University of Waterloo Police Service had twenty-four Special Constables.{{cite web |title=University of Waterloo Police Service 2019 Annual Report |url=https://uwaterloo.ca/police/sites/ca.police/files/uploads/files/2019_annual_report_final.pdf |publisher=University of Waterloo |access-date=7 March 2020 |archive-date=January 31, 2021 |archive-url=https://web.archive.org/web/20210131175027/https://uwaterloo.ca/police/sites/ca.police/files/uploads/files/2019_annual_report_final.pdf |url-status=live }}{{cite news |last1=Rushowy |first1=Kristin |title=No 'cops' on campus: New law says special constables can't be called 'police' |url=https://www.thestar.com/politics/provincial/no-cops-on-campus-new-law-says-special-constables-can-t-be-called-police/article_a98b6bcb-9797-556f-98e2-be4bcca50480.html |access-date=7 March 2020 |work=Toronto Star |date=2 August 2019 |language=en-CA }} Wilfrid Laurier University also has a Special Constable Service.

The Ontario Provincial Police patrols provincial highways.{{cite web |title=Ontario Provincial Police - What we do |url=https://www.opp.ca/index.php?id=121 |website=Ontario Provincial Police |access-date=7 March 2020 |language=en |archive-date=March 25, 2020 |archive-url=https://web.archive.org/web/20200325100019/http://www.opp.ca/index.php?id=121 |url-status=live }} Two homicides were reported in the Waterloo Region in 2021, neither of which was in the city of Waterloo.{{cite web |title=Rate of homicides in Waterloo Region 'well below' national average |url=https://www.therecord.com/news/crime/2022/01/18/rate-of-homicides-in-waterloo-region-well-below-national-average.html |website=therecord.com |access-date=13 February 2022 |language=en |date=18 January 2022 |quote=Last year's homicides were reported on Paulander Drive [Kitchener] and Powell Road in Wellesley Township. |archive-date=February 13, 2022 |archive-url=https://web.archive.org/web/20220213225617/https://www.therecord.com/news/crime/2022/01/18/rate-of-homicides-in-waterloo-region-well-below-national-average.html |url-status=live }}

{{See also|List of secondary schools in Ontario#Regional Municipality of Waterloo|List of Waterloo Region, Ontario schools#Waterloo 2}}

The Waterloo Region District School Board is the region's public school board. As of 2022, in Waterloo, they run 21 elementary schools (see List of Waterloo Region, Ontario schools) and three secondary schools, which are Bluevale Collegiate Institute, Laurel Heights Secondary School, and Waterloo Collegiate Institute.{{Cite web |title=School List |url=https://www.wrdsb.ca/our-schools/schools/ |access-date=2022-07-25 |website=Waterloo Region District School Board |language=en}} The Waterloo Catholic District School Board is the region's catholic school board. As of 2022, in Waterloo, they run 8 elementary schools{{Cite web |title=Elementary Schools – Waterloo Catholic District School Board |url=https://www.wcdsb.ca/our-schools/elementary-schools/ |access-date=2022-07-25 |language=en-CA}} and one secondary school, which is St. David Catholic Secondary School.{{Cite web |title=Secondary Schools – Waterloo Catholic District School Board |url=https://www.wcdsb.ca/our-schools/secondary-schools/ |access-date=2022-07-25 |language=en-CA}} There are a number of private and other schools not associated with the above boards, but there are no secondary schools in Waterloo unassociated with the boards.{{Cite web |title=Fraser Institute - School Ranking |url=https://www.compareschoolrankings.org/ |access-date=2022-07-25 |website=www.compareschoolrankings.org}}{{Cite web |title=Waterloo Schools |url=https://www.newtowaterloo.com/waterloo-schools/ |access-date=2022-07-25 |website=New To Waterloo |language=en-US}}

Waterloo is home to the following universities and colleges: the University of Waterloo, Wilfrid Laurier University, St. Jerome's University, St. Paul's University College, Conrad Grebel University College, Renison University College, and Conestoga College (based in Kitchener but has a Waterloo campus). The University of Waterloo is a public research university that saw 37,884 students in 2022.{{Cite web |date=2015-06-02 |title=Student Headcounts |url=https://uwaterloo.ca/institutional-analysis-planning/university-data-and-statistics/student-data/student-headcounts |access-date=2022-07-25 |website=Institutional Analysis & Planning |language=en}} The university has the largest post-secondary co-op program in the world{{Cite web |title=The world's largest co-op program |url=https://ontariosuniversities.ca/stories/the-worlds-largest-co-op-program |access-date=2022-07-25 |website=Ontario's Universities |date=November 10, 2017 |language=en}} and ranked 151–200 in the world and 7–8 in Canada in the 2021 Academic Ranking of World Universities.{{Cite web |title=ShanghaiRanking's Academic Ranking of World Universities |url=http://www.shanghairanking.com/rankings/arwu/2021 |access-date=2022-07-25 |website=www.shanghairanking.com}} Wilfrid Laurier University saw about 20,000 students in 2022, including its campuses in Brantford and Milton.{{Cite web |title=About Laurier {{!}} Wilfrid Laurier University |url=https://www.wlu.ca/about/index.html |access-date=2022-07-25 |website=www.wlu.ca}}

{{Main|Media in Waterloo Region}}The Waterloo Region Record is a daily newspaper that covers the Region of Waterloo,{{Cite web |date=2021-01-19 |title=About Us |url=https://www.therecord.com/about/aboutus.html |access-date=2022-07-17 |website=therecord.com |language=en}} while the Waterloo Chronicle covers the city;{{Cite web |title=Waterloo Chronicle About Us |url=https://www.waterloochronicle.ca/community-static/5920527-waterloo-chronicle-about-us/ |access-date=2022-07-17 |website=www.waterloochronicle.ca}} both are published by Metroland Media Group. There are a number of FM radio stations that reach Waterloo, (see Media in Waterloo Region#Radio) although CKMS-FM is the only to broadcast out of the city.{{Cite web |title=Radio stations in Kitchener, ON |url=http://worldradiomap.com/ca/kitchener |publisher=World Radio Map}} CKGL (570 News) is the only AM radio station broadcasting from the Region. CKCO-DT (CTV Kitchener) is the only television station that broadcasts from the Region.

• Walter Bowman (born 1870), First non-British player to play in the English Football League.
• Lorna Geddes (born 1943), ballerina with National Ballet of Canada
• Nate Haller, country musician/singer
• Julie Karn (born 1996), soccer player
• Geoff Ward (born 1962), ice hockey coach

{{Portal|Ontario}}

• List of cities in Ontario

{{notelist}}

{{Reflist}}

{{refbegin}}

• {{cite book |last=Bloomfield |first=Elizabeth |title=Waterloo Township Through Two Centuries |date=1995 |location=Kitchener |publisher=Waterloo Historical Society |isbn=0-9699719-0-7 |url=https://archive.org/details/waterlootownship0000bloo/ |url-access=limited}}
• {{Cite book |last=Kraemer |first=George Leo |url=https://www.worldcat.org/oclc/60833126 |title=Faith and foundations : the Germanic pioneers of Waterloo County and Bruce County Ontario, 1828-1867 |date=2003 |publisher=Gogol Press |isbn=0-9733832-0-8 |location=Moncton, N.B. |oclc=60833126}}
• {{cite book |last1=McLaughlin |first1=Kenneth |title=Waterloo: An Illustrated History|last2=Jaeger |first2=Sharon |date=1990 |publisher=City of Waterloo |isbn=978-0897811125 |location=Waterloo}}
• {{cite book |last1=McLaughlin |first1=Kenneth |title=Waterloo: An Illustrated History, 1857–2007 |last2=Jaeger |first2=Sharon |date=2007 |publisher=City of Waterloo |isbn=978-0-9691175-1-3 |location=Waterloo}}

{{refend}}

{{Commons category}}

• {{wikivoyage inline|Waterloo (Ontario)|Waterloo, Ontario}}
• {{official website|http://www.waterloo.ca}}

{{Waterloo, Ontario}}

{{Geographic location

| Centre = Waterloo

| North = Woolwich

| Northeast =

| East = Woolwich

| Southeast = Kitchener

| South =

| Southwest = Wilmot

| West =

| Northwest = Wellesley

}}

{{Geographic location

|title = Districts within Waterloo

|Northwest = Beechwood, Laurelwood, Laurel Creek Village, Columbia Forest, Upper Beechwood, Erbsville

|North = Northdale, Lakeshore North, Lakeshore, Conservation Meadows

|Northeast = Eastbridge, Colonial Acres, Lincoln Village, Lexington, Carriage Crossing, Country Squire

|West = Vista Hills, Clair Hills, Beechwood West, Maple Hills, Westvale

|Centre = Uptown Waterloo

|East = Lincoln Heights, University Downs, Kiwanis Park Estates

|Southwest = Westmount

|South = Mary-Allen

|Southeast =

}}

{{WaterlooRegion}}

{{Great Lakes Megalopolis}}

{{Authority control}}

Category:Cities in Ontario

Category:German diaspora in Canada

Category:High-technology business districts in Canada

Category:Lower-tier municipalities in Ontario

Category:Mennonitism in Ontario

Category:Populated places established in 1857

Category:1857 establishments in Canada West