HomeNew YorkSuffolk CountyWater Mill CDP
Water Mill CDP, New York: commercial real estate data.
Water Mill CDP is a Census CDP of 2,764 people across 10.58 square miles of land, in Suffolk County. Median household income is $186,875, 93.8 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $5.8 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Water Mill
What Water Mill is
- Census place typeCDP
- Land area10.58 sq mi
- Water area2.21 sq mi
- Population per square mile of land261 plus or minus 53
- County holding the largest share of its areaSuffolk 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.
Water Mill
How many people live in Water Mill
- Population2,764 plus or minus 556
- Median age54.9
- Population under 18336 plus or minus 158
- Share under 1812.2 percent plus or minus 5.2
- Population 65 and over626 plus or minus 246
- Share 65 and over22.6 percent plus or minus 7.6
- Households1,280 plus or minus 319
- Family households846 plus or minus 218
- Share of households that are families66.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Water Mill
Income and work in Water Mill
- Median household income$186,875 plus or minus $94,186
- Per capita income$151,552 plus or minus $42,505
- Civilian labor force1,596 plus or minus 383
- Employed1,500 plus or minus 382
- Unemployed96 plus or minus 67
- Unemployment rate6.0 percent plus or minus 3.9
- Adults 25 and over2,236 plus or minus 474
- Adults 25 and over with a high school diploma or higher97.7 percent
- Adults 25 and over with a bachelor degree or higher73.0 percent
- Adults 25 and over with a graduate degree28.9 percent plus or minus 5.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Water Mill
Housing in Water Mill
- Housing units2,564
- Occupied units1,280 plus or minus 319
- Vacant units1,284
- Vacancy rate50.1 percent
- Owner occupied1,200 plus or minus 313
- Renter occupied80 plus or minus 72
- Ownership rate93.8 percent
- Median owner-occupied home value$2,000,001
- Median gross rent, monthly$3,200 plus or minus $1,340
- Annual rent as a share of median income20.5 percent plus or minus 13.5
- Single family units2,558
- Share single family99.8 percent
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes6 plus or minus 12
- Median year structure built1995
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Water Mill
How Water Mill gets to work
- Workers 16 and over who commute920 plus or minus 210
- Commuting under 15 minutes542 plus or minus 169
- Share commuting under 15 minutes58.9 percent plus or minus 12.5
- Commuting 30 minutes or more204 plus or minus 89
- Share commuting 30 minutes or more22.2 percent plus or minus 8.2
- Drove alone48.8 percent plus or minus 17.4
- Carpooled0.0 percent
- Public transport5.0 percent plus or minus 3.4
- Walked6.7 percent plus or minus 4.6
- Worked from home37.5 percent plus or minus 19.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Water Mill
SBA loans in Water Mill (7(a))
- Approvals10
- Gross approval$5,841,500
- Average approval$584,150
- Median approval$250,000
- Ninetieth percentile approval$2,200,000
- Largest approval$2,200,000
- Jobs supported107
- Jobs per approval10.7
- Loans with a final outcome1
- Paid in full1
- 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 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.
Water Mill
SBA loans in Water Mill (504)
- Approvals2
- Gross approval$2,162,000
- Average approval$1,081,000
- Median approval$1,620,000
- Largest approval$1,620,000
- Jobs supported10
- 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.
Suffolk County, not Water Mill
Suffolk County context, not Water Mill figures
These are Suffolk County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Water Mill measurements.
- Establishments in Suffolk County50,748
- Employment at those establishments, Suffolk County592,580
- Covered employment, Suffolk County679,594
- Average annual pay, Suffolk County$79,121
- Average weekly wage, Suffolk County$1,522
- Housing units permitted, Suffolk County1,407
- Of those, single family, Suffolk County1,137
- County product, 2024, Suffolk County$139,014,125,000
- County product change over the prior year, Suffolk County5.9 percent
- Average income of an arriving household, Suffolk County$144,254
Every figure in this section is published for Suffolk County as a whole and is not a measurement of Water Mill. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Water Mill questions, answered from the record.
How many people live in Water Mill, New York?
2,764, in 1,280 households. Water Mill CDP covers 10.58 square miles of land, which is 261 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Water Mill in?
Suffolk 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 Water Mill?
$186,875. The median owner-occupied home is valued at $2,000,001. Median gross rent is $3,200 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Water Mill businesses?
10 7(a) approvals totalling $5.8 m, across 7 lenders, median approval $250,000, plus 2 504 approvals worth $2.2 m. These count approvals to borrowers whose address is in Water Mill, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Water Mill borrowers get paid back?
No rate is published for Water Mill. 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.
Are the county figures on this page Water Mill figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Suffolk 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 Water Mill.
Is zoning published for Water Mill?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.