Waterford, OH population, income and ZIP codes

Waterford CDP is a very small community in Ohio, with 322 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1012 of 1,265 ranked by population — larger than 20% of them. The median age here is 57.1 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 CDP earn a median of $48,594 a year, 38.1% below the national figure of $78,538 and 27% below the $66,250 median for the 689 Ohio cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 3.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Waterford CDP is valued at $134,400, 55.7% below the national figure and 20% below the $168,500 peer median, while median gross rent runs $686 a month, 51.2% below the national figure, or roughly $8,232 across a full year. A household on the local median income would put about 16.9% 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 2.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 81.1% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 57.1 puts Waterford CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 322 residents, a handful of survey responses moves every median on this page. Compare Waterford CDP against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.