New York · Census place 78520
Waterford, NY population, income and ZIP codes
Quick answer
The population of the city of Waterford, New York (Waterford, NY — Census place “Waterford village”) is 2,053 residents, ranking #617 of 1292 places in New York. Median household income is $68,203, the median home is worth $166,700 and median gross rent runs $1,060 a month. Looking for the Waterford New York ZIP code list? 1 ZIP codes serve Waterford, NY: 12188.
- Population
- 2,053Waterford village residents
- Median household income
- $68,203Past 12 months, inflation adjusted
- Median home value
- $166,700Owner-occupied units
- Median gross rent
- $1,060Rent plus utilities, monthly
- Median age
- 46.6 yrsAll residents
- Homeownership rate
- 48.6%Owner-occupied households
Waterford ZIP codes (New York)
Census ZCTAs whose delivery area overlaps Waterford.
The Waterford NY ZIP code list below covers 1 ZIP code. Open any one for its population, income, housing and rent profile.
What the numbers mean in Waterford village
Housing cost measured against local earnings.
A household earning the Waterford village median would spend about 18.7% of gross income on the median rent. The 30% mark is the federal threshold for cost burden, so anything above it signals a stretched rental market. The median home costs 2.4× the median household income; nationally that ratio sits near 4.5×. Poverty affects 11.3% of residents and 48.6% of households own their home.
Source: US Census Bureau, ACS 2019-2023 5-year estimates · rates as published for 2019-2023 ACS 5-year
Waterford village, NY in context
How this area compares with national benchmarks.
Waterford village is a small town in New York, with 2,053 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #617 of 1,292 ranked by population — larger than 52% of them. The median age here is 46.6 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.
Households in Waterford village earn a median of $68,203 a year, 13.2% below the national figure of $78,538 and 26% below the $91,806 median for the 847 New York cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 11.3% of residents here, below the 12.4% national rate.
The typical owner-occupied home in Waterford village is valued at $166,700, 45.1% below the national figure and 47% below the $315,800 peer median, while median gross rent runs $1,060 a month, 24.6% below the national figure, or roughly $12,720 across a full year. A household on the local median income would put about 18.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 48.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.
No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.
Compare with nearby places
Places of similar size in New York.
- Mexico village 2,050
- New Hartford village 2,054
- Yorktown Heights CDP 2,038
- Franklinville village 2,063
- Katonah CDP 2,016
- Upper Brookville village 2,064
- Old Brookville village 2,008
- Oyster Bay Cove village 2,067
Keep going
More New York coverage.
Frequently asked questions
Common questions about this area.
- What is the population of Waterford village?
- Waterford village has 2,053 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #617 of 1,292 in New York.
- What is the median household income in Waterford village?
- Median household income in Waterford village is $68,203 a year, 13.2% below the national figure of $78,538.
- How much does it cost to rent or buy in Waterford village?
- Median gross rent is $1,060 a month and the median home value is $166,700, so rent absorbs about 18.7% of median household income.
- Is Waterford village affordable compared with the rest of the US?
- Homes cost about 2.4× the local median income here versus roughly 3.9× nationally, so Waterford village is more affordable to buy in than the typical US market, and rent takes 18.7% of median income against the 30% cost-burden line.
- How current is this Waterford village data?
- All figures come from the US Census Bureau American Community Survey 2019-2023 ACS 5-year five-year estimates. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.