HomeNew YorkOneida CountyWaterville village
Waterville village, New York: commercial real estate data.
Waterville village is a Census village of 1,731 people across 1.42 square miles of land, in Oneida County. Median household income is $82,273, 54.1 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $125,000.
70 sourced place values · tier FULL · 8 sections
Waterville
What Waterville is
- Census place typevillage
- Land area1.42 sq mi
- Water area0 sq mi
- Population per square mile of land1,223
- County holding the largest share of its areaOneida 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.
Waterville
How many people live in Waterville
- Population1,731
- Median age44.9
- Population under 18326 plus or minus 80
- Share under 1818.8 percent
- Population 65 and over373
- Share 65 and over21.5 percent
- Households756
- Family households457 plus or minus 92
- Share of households that are families60.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterville
Income and work in Waterville
- Median household income$82,273
- Per capita income$38,029
- Civilian labor force951 plus or minus 190
- Employed944 plus or minus 190
- Unemployed7 plus or minus 7
- Unemployment rate0.7 percent plus or minus 0.7
- Adults 25 and over1,310
- Adults 25 and over with a high school diploma or higher94.4 percent plus or minus 19.2
- Adults 25 and over with a bachelor degree or higher24.7 percent
- Adults 25 and over with a graduate degree10.9 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterville
Housing in Waterville
- Housing units800
- Occupied units756
- Vacant units44 plus or minus 34
- Vacancy rate5.5 percent plus or minus 4.2
- Owner occupied409
- Renter occupied347 plus or minus 89
- Ownership rate54.1 percent
- Median owner-occupied home value$170,100
- Median gross rent, monthly$820
- Annual rent as a share of median income12.0 percent plus or minus 2.7
- Single family units463 plus or minus 96
- Share single family57.9 percent
- Units in buildings of two or more332 plus or minus 74
- Share in buildings of two or more41.5 percent
- Mobile homes5 plus or minus 7
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterville
How Waterville gets to work
- Workers 16 and over who commute789 plus or minus 180
- Commuting under 15 minutes236 plus or minus 59
- Share commuting under 15 minutes29.9 percent
- Commuting 30 minutes or more235 plus or minus 79
- Share commuting 30 minutes or more29.8 percent plus or minus 7.3
- Drove alone74.0 percent
- Carpooled6.0 percent plus or minus 3.6
- Public transport0.0 percent
- Walked5.2 percent plus or minus 3.0
- Worked from home14.8 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterville
SBA 7(a) lending to Waterville borrowers
- Approvals3
- Gross approval$125,000
- Average approval$41,667
- Median approval$15,000
- Ninetieth percentile approval$100,000
- Largest approval$100,000
- Jobs supported8
- Jobs per approval2.7
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term91 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS2
A charge-off rate is not published here. only 0 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.
Waterville
Flood programme status in Waterville
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360563
- Currently effective map date09/27/13
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.
Oneida County, not Waterville
Oneida County context, not Waterville figures
These are Oneida County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Waterville measurements.
- Establishments in Oneida County4,713
- Employment at those establishments, Oneida County85,570
- Covered employment, Oneida County102,542
- Average annual pay, Oneida County$61,102
- Average weekly wage, Oneida County$1,175
- Housing units permitted, Oneida County221
- Of those, single family, Oneida County125
- County product, 2024, Oneida County$14,679,920,000
- County product change over the prior year, Oneida County5.0 percent
- Average income of an arriving household, Oneida County$52,417
Every figure in this section is published for Oneida County as a whole and is not a measurement of Waterville. 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
Waterville questions, answered from the record.
How many people live in Waterville, New York?
1,731, in 756 households. Waterville village covers 1.42 square miles of land, which is 1,223 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waterville in?
Oneida 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 Waterville?
$82,273. The median owner-occupied home is valued at $170,100. Median gross rent is $820 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waterville businesses?
3 7(a) approvals totalling $125,000, across 1 lenders, median approval $15,000. These count approvals to borrowers whose address is in Waterville, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waterville borrowers get paid back?
No rate is published for Waterville. only 0 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 Waterville in the National Flood Insurance Program?
Yes. Waterville appears in the FEMA Community Status Book as community 360563, 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 Waterville figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Oneida 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 Waterville.
Is zoning published for Waterville?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.