HomePennsylvaniaErie CountyWaterford
Waterford, Pennsylvania: commercial real estate data.
Waterford is a Census borough of 1,301 people across 1.23 square miles of land, in Erie County. Median household income is $51,250, 48.7 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $499,400 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waterford
What Waterford is
- Census place typeborough
- Land area1.23 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,062
- County holding the largest share of its areaErie 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
- Population1,301
- Median age44.7
- Population under 18252 plus or minus 62
- Share under 1819.4 percent
- Population 65 and over223 plus or minus 54
- Share 65 and over17.1 percent
- Households600
- Family households349
- Share of households that are families58.2 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$51,250 plus or minus $15,067
- Per capita income$34,416
- Civilian labor force682 plus or minus 157
- Employed599 plus or minus 140
- Unemployed83 plus or minus 70
- Unemployment rate12.2 percent plus or minus 9.9
- Adults 25 and over957
- Adults 25 and over with a high school diploma or higher88.1 percent plus or minus 22.4
- Adults 25 and over with a bachelor degree or higher19.7 percent plus or minus 5.2
- Adults 25 and over with a graduate degree5.7 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
Housing in Waterford
- Housing units667
- Occupied units600
- Vacant units67 plus or minus 38
- Vacancy rate10.0 percent plus or minus 5.5
- Owner occupied292 plus or minus 59
- Renter occupied308 plus or minus 91
- Ownership rate48.7 percent
- Median owner-occupied home value$167,600
- Median gross rent, monthly$1,003
- Annual rent as a share of median income23.5 percent plus or minus 7.5
- Single family units418 plus or minus 89
- Share single family62.7 percent
- Units in buildings of two or more223 plus or minus 63
- Share in buildings of two or more33.4 percent plus or minus 7.9
- Mobile homes26 plus or minus 18
- Median year structure built1959
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 commute561 plus or minus 137
- Commuting under 15 minutes162 plus or minus 57
- Share commuting under 15 minutes28.9 percent plus or minus 7.3
- Commuting 30 minutes or more250 plus or minus 93
- Share commuting 30 minutes or more44.6 percent plus or minus 12.4
- Drove alone77.0 percent
- Carpooled12.6 percent plus or minus 3.9
- Public transport0.0 percent
- Walked4.7 percent plus or minus 3.7
- Worked from home5.7 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
SBA loans in Waterford (7(a))
- Approvals5
- Gross approval$499,400
- Average approval$99,880
- Median approval$75,000
- Largest approval$238,000
- Jobs supported11
- Jobs per approval2.2
- 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 lenders3
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Waterford, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Waterford
SBA loans in Waterford (504)
- Approvals1
- Gross approval$316,000
- Average approval$316,000
- Median approval$316,000
- Largest approval$316,000
- Jobs supported27
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Waterford, 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.
Waterford
Flood risk in Waterford
- NFIP communityBorough of Waterford
- NFIP community number420454
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/19/14
The Borough of Waterford participates in the National Flood Insurance Program as community 420454 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.
Erie County, not Waterford
Erie County context, not Waterford figures
- Establishments in Erie County6,103
- Covered employment, Erie County119,552
- Average annual pay, Erie County$53,524
- Housing units permitted, Erie County339
Every figure in this section is published for Erie County as a whole and is not a measurement of Waterford.
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
Waterford questions, answered from the record.
How many people live in Waterford, Pennsylvania?
1,301, in 600 households. Waterford borough covers 1.23 square miles of land, which is 1,062 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?
Erie 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?
$51,250. The median owner-occupied home is valued at $167,600. Median gross rent is $1,003 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?
5 7(a) approvals totaling $499,400 since FY2020, across 3 lenders, median approval $75,000, plus 1 504 approvals worth $316,000 since FY2010. 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 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Waterford in the National Flood Insurance Program?
Yes. Waterford appears in the FEMA Community Status Book as Waterford, borough of, community 420454, 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 labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Erie 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?
No. Nothing on this page presents parcel level zoning.