HomeNew YorkAlbany CountyWatervliet
Watervliet, New York: commercial real estate data.
Watervliet 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Watervliet (7(a))
- Approvals10
- Gross approval$3,621,100
- Average approval$362,110
- Median approval$280,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Watervliet, in any county, FY2020 to FY2026. Only 4 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.
Watervliet
SBA loans in Watervliet (504)
- Approvals2
- Gross approval$1,866,000
- Average approval$933,000
- Median approval$933,000
- Largest approval$1,759,000
- Jobs supported9
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Watervliet, 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.
Watervliet
Flood risk in Watervliet
- NFIP communityCity of Watervliet
- NFIP community number360016
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/16/15
The City of Watervliet participates in the National Flood Insurance Program as community 360016 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.
Albany County, not Watervliet
Albany County context, not Watervliet figures
- Establishments in Albany County9,465
- Covered employment, Albany County233,390
- Average annual pay, Albany County$82,387
- Housing units permitted, Albany County741
Every figure in this section is published for Albany County as a whole and is not a measurement of Watervliet.
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
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 totaling $3.6 m since FY2020, across 7 lenders, median approval $280,000, plus 2 504 approvals worth $1.9 m since FY2010. 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 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 Watervliet in the National Flood Insurance Program?
Yes. Watervliet appears in the FEMA Community Status Book as Watervliet, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.