HomeConnecticutNaugatuck Valley Planning RegionWaterbury
Waterbury, Connecticut: commercial real estate data.
Waterbury is a Census city of 114,869 people across 28.56 square miles of land, in Naugatuck Valley Planning Region. Median household income is $51,886, 47.2 percent of occupied homes are owned, and the SBA record carries 99 7(a) approvals to borrowers here worth $40.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waterbury
What Waterbury is
- Census place typecity
- Land area28.56 sq mi
- Water area0.42 sq mi
- Population per square mile of land4,023
- County holding the largest share of its areaNaugatuck Valley Planning Region, 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.
Waterbury
How many people live in Waterbury
- Population114,869
- Median age37.8
- Population under 1826,613
- Share under 1823.2 percent
- Population 65 and over17,593
- Share 65 and over15.3 percent
- Households45,663
- Family households27,765
- Share of households that are families60.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterbury
Income and work in Waterbury
- Median household income$51,886
- Per capita income$29,542
- Civilian labor force54,437
- Employed49,400
- Unemployed5,037
- Unemployment rate9.3 percent
- Adults 25 and over77,847
- Adults 25 and over with a high school diploma or higher80.8 percent
- Adults 25 and over with a bachelor degree or higher17.3 percent
- Adults 25 and over with a graduate degree7.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterbury
Housing in Waterbury
- Housing units49,956
- Occupied units45,663
- Vacant units4,293
- Vacancy rate8.6 percent
- Owner occupied21,569
- Renter occupied24,094
- Ownership rate47.2 percent
- Median owner-occupied home value$208,500
- Median gross rent, monthly$1,225
- Annual rent as a share of median income28.3 percent
- Single family units23,476
- Share single family47.0 percent
- Units in buildings of two or more26,413
- Share in buildings of two or more52.9 percent
- Mobile homes67 plus or minus 77
- Median year structure built1959
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterbury
How Waterbury gets to work
- Workers 16 and over who commute44,534
- Commuting under 15 minutes12,535
- Share commuting under 15 minutes28.1 percent
- Commuting 30 minutes or more16,878
- Share commuting 30 minutes or more37.9 percent
- Drove alone69.8 percent
- Carpooled12.7 percent
- Public transport3.9 percent plus or minus 1.0
- Walked2.1 percent plus or minus 0.6
- Worked from home8.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterbury
SBA loans in Waterbury (7(a))
- Approvals99
- Gross approval$40,770,500
- Average approval$411,823
- Median approval$139,500
- Ninetieth percentile approval$1,464,800
- Largest approval$3,600,000
- Jobs supported931
- Jobs per approval9.4
- Loans with a final outcome12
- Paid in full10
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more8.1 percent
- Share to franchises9.1 percent
- Distinct lenders29
- Distinct industries by NAICS67
Counted by borrower city: approvals to borrowers whose address is in Waterbury, in any county, FY2020 to FY2026. Only 12 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.
Waterbury
SBA loans in Waterbury (504)
- Approvals12
- Gross approval$11,556,000
- Average approval$963,000
- Median approval$474,000
- Largest approval$4,245,000
- Jobs supported158
- Loans with a final outcome3
- Charged off1
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Waterbury, in any county, FY2010 to FY2026. Only 3 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.
Naugatuck Valley Planning Region, not Waterbury
Naugatuck Valley Planning Region context, not Waterbury figures
- Establishments in Naugatuck Valley Planning Region9,114
- Covered employment, Naugatuck Valley Planning Region160,111
- Average annual pay, Naugatuck Valley Planning Region$71,603
- Housing units permitted, Naugatuck Valley Planning Region317
Every figure in this section is published for Naugatuck Valley Planning Region as a whole and is not a measurement of Waterbury.
All Naugatuck Valley Planning Region 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
Waterbury questions, answered from the record.
How many people live in Waterbury, Connecticut?
114,869, in 45,663 households. Waterbury city covers 28.56 square miles of land, which is 4,023 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waterbury in?
Naugatuck Valley Planning Region, 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 Waterbury?
$51,886. The median owner-occupied home is valued at $208,500. Median gross rent is $1,225 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waterbury businesses?
99 7(a) approvals totaling $40.8 m since FY2020, across 29 lenders, median approval $139,500, plus 12 504 approvals worth $11.6 m since FY2010. These count approvals to borrowers whose address is in Waterbury, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waterbury borrowers get paid back?
No rate is published for Waterbury. Only 12 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.
Are the county figures on this page Waterbury figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Naugatuck Valley Planning Region 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 Waterbury.
Is zoning published for Waterbury?
No. Nothing on this page presents parcel level zoning.
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