HomeNew YorkSaratoga CountyWaterford village
Waterford village, New York: commercial real estate data.
Waterford village is a Census village of 2,085 people across 0.28 square miles of land, in Saratoga County. Median household income is $72,938, 53.8 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $405,000.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Waterford
What Waterford is
- Census place typevillage
- Land area0.28 sq mi
- Water area0.07 sq mi
- Population per square mile of land7,372
- County holding the largest share of its areaSaratoga 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.
Waterford
How many people live in Waterford
- Population2,085
- Median age42.4
- Population under 18351 plus or minus 108
- Share under 1816.8 percent plus or minus 4.5
- Population 65 and over535 plus or minus 141
- Share 65 and over25.7 percent plus or minus 5.5
- Households1,047
- Family households445 plus or minus 104
- Share of households that are families42.5 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$72,938
- Per capita income$39,258
- Civilian labor force1,114
- Employed1,083
- Unemployed31 plus or minus 25
- Unemployment rate2.8 percent plus or minus 2.2
- Adults 25 and over1,591
- Adults 25 and over with a high school diploma or higher95.3 percent
- Adults 25 and over with a bachelor degree or higher22.5 percent plus or minus 6.5
- Adults 25 and over with a graduate degree9.2 percent plus or minus 5.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
Housing in Waterford
- Housing units1,143
- Occupied units1,047
- Vacant units96 plus or minus 60
- Vacancy rate8.4 percent plus or minus 5.1
- Owner occupied563 plus or minus 133
- Renter occupied484 plus or minus 142
- Ownership rate53.8 percent
- Median owner-occupied home value$157,500
- Median gross rent, monthly$1,082
- Annual rent as a share of median income17.8 percent
- Single family units381 plus or minus 104
- Share single family33.3 percent plus or minus 7.2
- Units in buildings of two or more762 plus or minus 172
- Share in buildings of two or more66.7 percent
- Mobile homes0
- Median year structure built1938
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 commute931 plus or minus 199
- Commuting under 15 minutes118 plus or minus 63
- Share commuting under 15 minutes12.7 percent plus or minus 6.2
- Commuting 30 minutes or more254 plus or minus 102
- Share commuting 30 minutes or more27.3 percent plus or minus 9.3
- Drove alone74.5 percent
- Carpooled4.8 percent plus or minus 3.2
- Public transport0.0 percent
- Walked5.5 percent plus or minus 5.3
- Worked from home14.0 percent plus or minus 8.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
SBA loans in Waterford (7(a))
- Approvals3
- Gross approval$405,000
- Average approval$135,000
- Median approval$30,000
- Ninetieth percentile approval$350,000
- Largest approval$350,000
- Jobs supported23
- Jobs per approval7.7
- Loans with a final outcome1
- Paid in full0
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
A charge-off rate is not published here. only 1 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.
Waterford
SBA loans in Waterford (504)
- Approvals4
- Gross approval$3,042,000
- Average approval$760,500
- Median approval$332,000
- Largest approval$2,436,000
- Jobs supported8
- 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.
Waterford
Flood risk in Waterford
- Listed NFIP communities2
- Of those, participating2
- NFIP community number360734
- Currently effective map date08/16/95
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.
Saratoga County, not Waterford
Saratoga County context, not Waterford figures
These are Saratoga County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Waterford measurements.
- Establishments in Saratoga County5,488
- Employment at those establishments, Saratoga County78,232
- Covered employment, Saratoga County92,800
- Average annual pay, Saratoga County$67,685
- Average weekly wage, Saratoga County$1,302
- Housing units permitted, Saratoga County1,112
- Of those, single family, Saratoga County734
- County product, 2024, Saratoga County$16,619,575,000
- County product change over the prior year, Saratoga County5.4 percent
- Average income of an arriving household, Saratoga County$111,855
Every figure in this section is published for Saratoga County as a whole and is not a measurement of Waterford. 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
Waterford questions, answered from the record.
How many people live in Waterford, New York?
2,085, in 1,047 households. Waterford village covers 0.28 square miles of land, which is 7,372 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?
Saratoga 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 Waterford?
$72,938. The median owner-occupied home is valued at $157,500. Median gross rent is $1,082 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?
3 7(a) approvals totalling $405,000, across 3 lenders, median approval $30,000, plus 4 504 approvals worth $3.0 m. 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 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 Waterford in the National Flood Insurance Program?
Yes. Waterford appears in the FEMA Community Status Book as community 360734, 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 Waterford figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Saratoga 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 Waterford.
Is zoning published for Waterford?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.