HomeConnecticutSoutheastern Connecticut Planning RegionWaterford
Waterford, Connecticut: commercial real estate data.
Waterford is a Census CDP of 3,304 people across 1.89 square miles of land, in Southeastern Connecticut Planning Region. Median household income is $73,156, 66.9 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $3.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waterford
What Waterford is
- Census place typeCDP
- Land area1.89 sq mi
- Water area0 sq mi
- Population per square mile of land1,750
- County holding the largest share of its areaSoutheastern Connecticut 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.
Waterford
How many people live in Waterford
- Population3,304
- Median age44.8
- Population under 18582 plus or minus 160
- Share under 1817.6 percent plus or minus 4.4
- Population 65 and over765 plus or minus 172
- Share 65 and over23.2 percent
- Households1,625
- Family households836
- Share of households that are families51.4 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$73,156
- Per capita income$41,588
- Civilian labor force1,683
- Employed1,579
- Unemployed104 plus or minus 87
- Unemployment rate6.2 percent plus or minus 5.1
- Adults 25 and over2,479
- Adults 25 and over with a high school diploma or higher95.9 percent
- Adults 25 and over with a bachelor degree or higher27.3 percent plus or minus 7.7
- Adults 25 and over with a graduate degree15.0 percent plus or minus 6.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
Housing in Waterford
- Housing units1,676
- Occupied units1,625
- Vacant units51 plus or minus 47
- Vacancy rate3.0 percent plus or minus 2.8
- Owner occupied1,087
- Renter occupied538 plus or minus 193
- Ownership rate66.9 percent
- Median owner-occupied home value$282,900
- Median gross rent, monthly$1,668
- Annual rent as a share of median income27.4 percent
- Single family units1,108
- Share single family66.1 percent
- Units in buildings of two or more378 plus or minus 115
- Share in buildings of two or more22.6 percent plus or minus 6.3
- Mobile homes190 plus or minus 78
- Median year structure built1968
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 commute1,469
- Commuting under 15 minutes591 plus or minus 194
- Share commuting under 15 minutes40.2 percent plus or minus 11.2
- Commuting 30 minutes or more319 plus or minus 124
- Share commuting 30 minutes or more21.7 percent plus or minus 7.6
- Drove alone83.1 percent
- Carpooled7.7 percent plus or minus 7.8
- Public transport1.0 percent plus or minus 1.6
- Walked0.0 percent
- Worked from home6.7 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
SBA loans in Waterford (7(a))
- Approvals10
- Gross approval$2,956,400
- Average approval$295,640
- Median approval$118,750
- Largest approval$1,350,000
- Jobs supported54
- Jobs per approval5.4
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more10.0 percent
- Share to franchises30.0 percent
- Distinct lenders7
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Waterford, in any county, FY2020 to FY2026. Only 1 loan has 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)
- Approvals5
- Gross approval$987,000
- Average approval$197,400
- Median approval$187,000
- Largest approval$377,000
- Jobs supported14
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Waterford, in any county, FY2010 to FY2026. Only 1 loan has 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.
Southeastern Connecticut Planning Region, not Waterford
Southeastern Connecticut Planning Region context, not Waterford figures
- Establishments in Southeastern Connecticut Planning Region5,883
- Covered employment, Southeastern Connecticut Planning Region127,106
- Average annual pay, Southeastern Connecticut Planning Region$70,518
- Housing units permitted, Southeastern Connecticut Planning Region509
Every figure in this section is published for Southeastern Connecticut Planning Region as a whole and is not a measurement of Waterford.
All Southeastern Connecticut 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
Waterford questions, answered from the record.
How many people live in Waterford, Connecticut?
3,304, in 1,625 households. Waterford CDP covers 1.89 square miles of land, which is 1,750 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?
Southeastern Connecticut 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 Waterford?
$73,156. The median owner-occupied home is valued at $282,900. Median gross rent is $1,668 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?
10 7(a) approvals totaling $3.0 m since FY2020, across 7 lenders, median approval $118,750, plus 5 504 approvals worth $987,000 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 1 loan has 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 Waterford figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Southeastern Connecticut 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 Waterford.
Is zoning published for Waterford?
No. Nothing on this page presents parcel level zoning.
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