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Waitoa is a settlement in New Zealand. The population in the 2006 census was 318, a decrease of 42 people since 2001.

A Fonterra dairy factory is a prominent blue building in the middle of the town. Waitoa has a primary school with around 30-50 children. The Waitoa river runs through the village and is prone to flooding.

A railway line runs to the dairy factory, and used to go to Te Aroha, however this section was closed and the line only runs to service the dairy factory.

Two freezing works and a rendering plant also operate in the Waitoa area. Workers commute from nearby towns of Te Aroha, Morrinsville and Matamata.