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Free & Low-Cost Clinics in Waterloo, IA

This page lists 10 free and low-cost health clinics in Waterloo, IA — with verified addresses, hours, accepted insurance, and links to dedicated pages for the most-searched services in town.

Waterloo at a glance

Clinics listed10
Listed as free2
Sliding-scale fees (by income)2
Accept uninsured patients10
Accept Medicaid9
Offer dental care2
Offer mental health care2
Accept walk-ins4
List weekend hours1
Spanish spoken3
Hours checked on the clinic's own website1 (October 2026)

Counts come from the clinic listings on this page, as each clinic describes itself. How we build and check listings.

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All clinics in Waterloo

  1. Allen College Engagement Salvation Army Partnership (ACE-SAP) Free Clinic - FCI

    207 Logan Ave, Waterloo, IA 50703

    • Free
    • Walk-ins
    • Spanish spoken

  2. Allen Women's Health - UnityPoint Health

    233 Vold Dr, Waterloo, IA 50703

    • Sliding scale

  3. Black Hawk County Health Department - Public Health Center

    1407 Independence Ave 5th Fl, Pinecrest Bldg, Waterloo, IA 50703

    • Free
    • Dental
    • Walk-ins

  4. Family Foot Health Care - Waterloo

    927 West 4th St, Waterloo, IA 50702

  5. MercyOne - Waterloo Urgent Care

    2710 St. Francis Dr Ste 111, Waterloo, IA 50702

    • Walk-ins
    • Spanish spoken
    • Open Saturday

  6. Peoples Community Health Clinic

    905 Franklin St, Waterloo, IA 50703

    • Sliding scale
    • Dental
    • Mental health

  7. UnityPoint Clinic Internal Medicine - West Waterloo

    3741 Pheasant Ln, Waterloo, IA 50701

  8. UnityPoint Clinic Internal Medicine at Waterloo - North Crossing

    2140 Logan Ave Ste A, Waterloo, IA 50703

    • Spanish spoken

  9. UnityPoint Clinic OB/GYN - Waterloo

    146 W Dale St Ste 102, Waterloo, IA 50703

  10. VA Iowa City Health Care - Waterloo VA Clinic

    945 Tower Park Dr, Waterloo, IA 50701

    • Mental health
    • Walk-ins

Frequently asked questions

How many free and low-cost clinics are in Waterloo, IA?
freeclinics.us lists 10 free and low-cost health clinics in Waterloo, IA. Of these, 2 are listed as free and 2 charge on a sliding scale based on income.
Are there free clinics in Waterloo, IA?
Yes. 2 of the 10 clinics listed in Waterloo are listed as free: Allen College Engagement Salvation Army Partnership (ACE-SAP) Free Clinic - FCI and Black Hawk County Health Department - Public Health Center. Call ahead to confirm, because fees and eligibility can change.
Can I get care in Waterloo without insurance?
Yes. 10 of the 10 clinics listed in Waterloo accept uninsured patients, and 9 accept Medicaid.
Where can I get low-cost dental care in Waterloo, IA?
2 clinics listed in Waterloo offer dental care: Black Hawk County Health Department - Public Health Center and Peoples Community Health Clinic.
Are any clinics in Waterloo open on weekends?
1 clinic in Waterloo lists Saturday or Sunday hours: MercyOne - Waterloo Urgent Care. Hours change, so call before you go.
Do clinics in Waterloo have Spanish-speaking staff?
3 of the 10 clinics listed in Waterloo list Spanish as a language spoken: Allen College Engagement Salvation Army Partnership (ACE-SAP) Free Clinic - FCI, MercyOne - Waterloo Urgent Care and UnityPoint Clinic Internal Medicine at Waterloo - North Crossing.

Other ways to find care

How free and low-cost care works

Most clinics here charge on a sliding scale: what you pay depends on your household income and family size, and the lowest-income patients often pay nothing. Bring a photo ID, proof of income and proof of address to get the lowest fee. How sliding-scale fees work

If none of the clinics above fit your situation, two other places to try are 211 (dial 2-1-1 from any phone in the US for a referral to local social services, including health clinics) and your county health department, which often runs its own low-cost or sliding-scale clinics in addition to the ones listed here.