HomeCaliforniaStanislaus CountyWaterford
Waterford, California: commercial real estate data.
Waterford is a Census city of 9,204 people across 2.36 square miles of land, in Stanislaus County. Median household income is $74,343, 55.8 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $9.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waterford
What Waterford is
- Census place typecity
- Land area2.36 sq mi
- Water area0.02 sq mi
- Population per square mile of land3,903
- County holding the largest share of its areaStanislaus County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
How many people live in Waterford
- Population9,204
- Median age31.7
- Population under 182,554
- Share under 1827.7 percent
- Population 65 and over735 plus or minus 171
- Share 65 and over8.0 percent plus or minus 1.9
- Households2,581
- Family households2,126
- Share of households that are families82.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
Income and work in Waterford
- Median household income$74,343 plus or minus $18,660
- Per capita income$28,063
- Civilian labor force4,363
- Employed4,020
- Unemployed343 plus or minus 176
- Unemployment rate7.9 percent plus or minus 4.0
- Adults 25 and over5,543
- Adults 25 and over with a high school diploma or higher71.4 percent
- Adults 25 and over with a bachelor degree or higher9.8 percent plus or minus 3.0
- Adults 25 and over with a graduate degree3.4 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
Housing in Waterford
- Housing units2,720
- Occupied units2,581
- Vacant units139 plus or minus 108
- Vacancy rate5.1 percent plus or minus 4.0
- Owner occupied1,440
- Renter occupied1,141
- Ownership rate55.8 percent
- Median owner-occupied home value$402,200
- Median gross rent, monthly$1,620
- Annual rent as a share of median income26.1 percent plus or minus 7.1
- Single family units2,259
- Share single family83.1 percent
- Units in buildings of two or more380 plus or minus 196
- Share in buildings of two or more14.0 percent plus or minus 7.1
- Mobile homes81 plus or minus 68
- Median year structure built1987
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
How Waterford gets to work
- Workers 16 and over who commute3,576
- Commuting under 15 minutes869 plus or minus 250
- Share commuting under 15 minutes24.3 percent plus or minus 6.4
- Commuting 30 minutes or more1,166 plus or minus 291
- Share commuting 30 minutes or more32.6 percent plus or minus 7.2
- Drove alone73.2 percent
- Carpooled20.3 percent plus or minus 7.1
- Public transport0.0 percent
- Walked1.8 percent plus or minus 2.0
- Worked from home4.8 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
SBA loans in Waterford (7(a))
- Approvals6
- Gross approval$9,125,200
- Average approval$1,520,867
- Median approval$777,750
- Largest approval$5,000,000
- Jobs supported48
- Jobs per approval8.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more66.7 percent
- Share to franchises16.7 percent
- Distinct lenders6
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Waterford, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Waterford
SBA loans in Waterford (504)
- Approvals2
- Gross approval$624,000
- Average approval$312,000
- Median approval$312,000
- Largest approval$407,000
- Jobs supported5
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Waterford, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Waterford
Flood risk in Waterford
- NFIP communityCity of Waterford
- NFIP community number060393
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/26/08
The City of Waterford participates in the National Flood Insurance Program as community 060393 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Stanislaus County, not Waterford
Stanislaus County context, not Waterford figures
- Establishments in Stanislaus County10,013
- Covered employment, Stanislaus County199,396
- Average annual pay, Stanislaus County$63,795
- Housing units permitted, Stanislaus County902
Every figure in this section is published for Stanislaus County as a whole and is not a measurement of Waterford.
All Stanislaus County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Waterford questions, answered from the record.
How many people live in Waterford, California?
9,204, in 2,581 households. Waterford city covers 2.36 square miles of land, which is 3,903 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waterford in?
Stanislaus County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Waterford?
$74,343. The median owner-occupied home is valued at $402,200. Median gross rent is $1,620 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waterford businesses?
6 7(a) approvals totaling $9.1 m since FY2020, across 6 lenders, median approval $777,750, plus 2 504 approvals worth $624,000 since FY2010. These count approvals to borrowers whose address is in Waterford, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waterford borrowers get paid back?
No rate is published for Waterford. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Waterford in the National Flood Insurance Program?
Yes. Waterford appears in the FEMA Community Status Book as Waterford, city of, community 060393, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Waterford figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Stanislaus County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Waterford.
Is zoning published for Waterford?
No. Nothing on this page presents parcel level zoning.
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