HomeNew YorkTioga CountyWaverly
Waverly, New York: commercial real estate data.
Waverly is a Census village of 4,305 people across 2.28 square miles of land, in Tioga County. Median household income is $54,274, 64.2 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $1.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waverly
What Waverly is
- Census place typevillage
- Land area2.28 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,885
- County holding the largest share of its areaTioga 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.
Waverly
How many people live in Waverly
- Population4,305
- Median age42.8
- Population under 18852 plus or minus 249
- Share under 1819.8 percent plus or minus 5.8
- Population 65 and over1,084 plus or minus 232
- Share 65 and over25.2 percent plus or minus 5.4
- Households1,809
- Family households1,020
- Share of households that are families56.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waverly
Income and work in Waverly
- Median household income$54,274
- Per capita income$38,480
- Civilian labor force2,147
- Employed1,982
- Unemployed165 plus or minus 80
- Unemployment rate7.7 percent plus or minus 3.6
- Adults 25 and over3,121
- Adults 25 and over with a high school diploma or higher91.8 percent
- Adults 25 and over with a bachelor degree or higher13.2 percent plus or minus 4.3
- Adults 25 and over with a graduate degree5.3 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waverly
Housing in Waverly
- Housing units2,249
- Occupied units1,809
- Vacant units440 plus or minus 153
- Vacancy rate19.6 percent plus or minus 6.6
- Owner occupied1,161
- Renter occupied648 plus or minus 186
- Ownership rate64.2 percent
- Median owner-occupied home value$140,200
- Median gross rent, monthly$958
- Annual rent as a share of median income21.2 percent plus or minus 4.3
- Single family units1,411
- Share single family62.7 percent
- Units in buildings of two or more823 plus or minus 225
- Share in buildings of two or more36.6 percent plus or minus 9.4
- Mobile homes15 plus or minus 23
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waverly
How Waverly gets to work
- Workers 16 and over who commute1,915
- Commuting under 15 minutes1,014 plus or minus 276
- Share commuting under 15 minutes53.0 percent plus or minus 12.4
- Commuting 30 minutes or more346 plus or minus 137
- Share commuting 30 minutes or more18.1 percent plus or minus 6.7
- Drove alone87.5 percent
- Carpooled5.1 percent plus or minus 3.3
- Public transport0.0 percent
- Walked1.2 percent plus or minus 1.5
- Worked from home2.5 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waverly
SBA loans in Waverly (7(a))
- Approvals10
- Gross approval$1,474,000
- Average approval$147,400
- Median approval$135,250
- Largest approval$500,000
- Jobs supported39
- Jobs per approval3.9
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more10.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Waverly, 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.
Waverly
SBA loans in Waverly (504)
- Approvals2
- Gross approval$254,000
- Average approval$127,000
- Median approval$127,000
- Largest approval$132,000
- Jobs supported2
- Loans with a final outcome2
- Charged off0
- Median term180 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Waverly, in any county, FY2010 to FY2026. Only 2 loans have 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.
Waverly
Flood risk in Waverly
- NFIP communityVillage of Waverly
- NFIP community number361343
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/17/12
The Village of Waverly participates in the National Flood Insurance Program as community 361343 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.
Tioga County, not Waverly
Tioga County context, not Waverly figures
- Establishments in Tioga County743
- Covered employment, Tioga County13,093
- Average annual pay, Tioga County$67,197
- Housing units permitted, Tioga County142
Every figure in this section is published for Tioga County as a whole and is not a measurement of Waverly.
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
Waverly questions, answered from the record.
How many people live in Waverly, New York?
4,305, in 1,809 households. Waverly village covers 2.28 square miles of land, which is 1,885 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waverly in?
Tioga 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 Waverly?
$54,274. The median owner-occupied home is valued at $140,200. Median gross rent is $958 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waverly businesses?
10 7(a) approvals totaling $1.5 m since FY2020, across 4 lenders, median approval $135,250, plus 2 504 approvals worth $254,000 since FY2010. These count approvals to borrowers whose address is in Waverly, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waverly borrowers get paid back?
No rate is published for Waverly. 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 Waverly in the National Flood Insurance Program?
Yes. Waverly appears in the FEMA Community Status Book as Waverly, village of, community 361343, 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 Waverly figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Tioga 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 Waverly.
Is zoning published for Waverly?
No. Nothing on this page presents parcel level zoning.
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