HomeNew YorkAlbany CountyWatervliet city
Watervliet city, New York: commercial real estate data.
Watervliet city is a Census city of 10,287 people across 1.34 square miles of land, in Albany County. Median household income is $57,919, 34.7 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $3.6 m.
80 sourced place values · tier FULL · 9 sections
Watervliet
What Watervliet is
- Census place typecity
- Land area1.34 sq mi
- Water area0.13 sq mi
- Population per square mile of land7,667
- County holding the largest share of its areaAlbany 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.
Watervliet
How many people live in Watervliet
- Population10,287
- Median age40.8
- Population under 181,940 plus or minus 391
- Share under 1818.9 percent plus or minus 3.8
- Population 65 and over2,003 plus or minus 427
- Share 65 and over19.5 percent plus or minus 4.2
- Households5,090
- Family households2,311
- Share of households that are families45.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watervliet
Income and work in Watervliet
- Median household income$57,919
- Per capita income$33,740
- Civilian labor force5,366
- Employed5,127
- Unemployed239 plus or minus 133
- Unemployment rate4.5 percent plus or minus 2.4
- Adults 25 and over7,083
- Adults 25 and over with a high school diploma or higher88.9 percent
- Adults 25 and over with a bachelor degree or higher17.8 percent plus or minus 3.6
- Adults 25 and over with a graduate degree4.8 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watervliet
Housing in Watervliet
- Housing units5,654
- Occupied units5,090
- Vacant units564 plus or minus 193
- Vacancy rate10.0 percent plus or minus 3.4
- Owner occupied1,767
- Renter occupied3,323
- Ownership rate34.7 percent
- Median owner-occupied home value$179,700
- Median gross rent, monthly$1,083
- Annual rent as a share of median income22.4 percent
- Single family units1,546
- Share single family27.3 percent
- Units in buildings of two or more4,108
- Share in buildings of two or more72.7 percent
- Mobile homes0
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watervliet
How Watervliet gets to work
- Workers 16 and over who commute4,440
- Commuting under 15 minutes1,629 plus or minus 423
- Share commuting under 15 minutes36.7 percent plus or minus 8.4
- Commuting 30 minutes or more814 plus or minus 274
- Share commuting 30 minutes or more18.3 percent plus or minus 5.8
- Drove alone69.3 percent
- Carpooled7.8 percent plus or minus 3.4
- Public transport5.1 percent plus or minus 3.0
- Walked5.5 percent plus or minus 2.5
- Worked from home11.2 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watervliet
SBA 7(a) lending to Watervliet borrowers
- Approvals10
- Gross approval$3,621,100
- Average approval$362,110
- Median approval$310,000
- Ninetieth percentile approval$1,220,000
- Largest approval$1,220,000
- Jobs supported112
- Jobs per approval11.2
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders7
- Distinct industries by NAICS8
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Watervliet
SBA 504 lending to Watervliet borrowers
- Approvals2
- Gross approval$1,866,000
- Average approval$933,000
- Median approval$1,759,000
- Largest approval$1,759,000
- Jobs supported9
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Watervliet
Flood programme status in Watervliet
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360016
- Currently effective map date03/16/15
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Albany County, not Watervliet
Albany County context, not Watervliet figures
These are Albany County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Watervliet measurements.
- Establishments in Albany County9,465
- Employment at those establishments, Albany County180,421
- Covered employment, Albany County233,390
- Average annual pay, Albany County$82,387
- Average weekly wage, Albany County$1,584
- Housing units permitted, Albany County741
- Of those, single family, Albany County190
- County product, 2024, Albany County$46,129,110,000
- County product change over the prior year, Albany County4.7 percent
- Average income of an arriving household, Albany County$139,255
Every figure in this section is published for Albany County as a whole and is not a measurement of Watervliet. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Watervliet questions, answered from the record.
How many people live in Watervliet, New York?
10,287, in 5,090 households. Watervliet city covers 1.34 square miles of land, which is 7,667 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Watervliet in?
Albany 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 Watervliet?
$57,919. The median owner-occupied home is valued at $179,700. Median gross rent is $1,083 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Watervliet businesses?
10 7(a) approvals totalling $3.6 m, across 7 lenders, median approval $310,000, plus 2 504 approvals worth $1.9 m. These count approvals to borrowers whose address is in Watervliet, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Watervliet borrowers get paid back?
No rate is published for Watervliet. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Watervliet in the National Flood Insurance Program?
Yes. Watervliet appears in the FEMA Community Status Book as community 360016, 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 Watervliet figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Albany 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 Watervliet.
Is zoning published for Watervliet?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.