HomeWisconsinRacine CountyWaterford village
Waterford village, Wisconsin: commercial real estate data.
Waterford village is a Census village of 5,692 people across 2.55 square miles of land, in Racine County. Median household income is $82,404, 78.4 percent of occupied homes are owned, and the SBA record carries 35 7(a) approvals to borrowers here worth $5.1 m.
77 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Waterford
What Waterford is
- Census place typevillage
- Land area2.55 sq mi
- Water area0.11 sq mi
- Population per square mile of land2,231
- County holding the largest share of its areaRacine 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
- Population5,692
- Median age46.3
- Population under 181,075 plus or minus 243
- Share under 1818.9 percent plus or minus 4.3
- Population 65 and over1,266 plus or minus 293
- Share 65 and over22.2 percent plus or minus 5.1
- Households2,463
- Family households1,480
- Share of households that are families60.1 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$82,404
- Per capita income$45,404
- Civilian labor force3,297
- Employed3,229
- Unemployed68 plus or minus 51
- Unemployment rate2.1 percent plus or minus 1.5
- Adults 25 and over4,152
- Adults 25 and over with a high school diploma or higher96.4 percent
- Adults 25 and over with a bachelor degree or higher28.2 percent plus or minus 6.7
- Adults 25 and over with a graduate degree9.4 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
Housing in Waterford
- Housing units2,609
- Occupied units2,463
- Vacant units146 plus or minus 83
- Vacancy rate5.6 percent plus or minus 3.1
- Owner occupied1,931
- Renter occupied532 plus or minus 158
- Ownership rate78.4 percent
- Median owner-occupied home value$329,800
- Median gross rent, monthly$1,374
- Annual rent as a share of median income20.0 percent
- Single family units1,910
- Share single family73.2 percent
- Units in buildings of two or more628 plus or minus 181
- Share in buildings of two or more24.1 percent plus or minus 6.5
- Mobile homes71 plus or minus 32
- Median year structure built1992
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 commute2,792
- Commuting under 15 minutes573 plus or minus 219
- Share commuting under 15 minutes20.5 percent plus or minus 7.5
- Commuting 30 minutes or more1,257 plus or minus 265
- Share commuting 30 minutes or more45.0 percent
- Drove alone80.5 percent
- Carpooled4.4 percent plus or minus 2.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home12.6 percent plus or minus 7.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waterford
SBA loans in Waterford (7(a))
- Approvals35
- Gross approval$5,137,800
- Average approval$146,794
- Median approval$60,000
- Ninetieth percentile approval$500,000
- Largest approval$785,000
- Jobs supported136
- Jobs per approval3.9
- Loans with a final outcome13
- Paid in full10
- Charged off3
- Charge-off rate over resolved loans23.1 percent
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises0.0 percent
- Distinct lenders12
- Distinct industries by NAICS22
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)
- Approvals9
- Gross approval$6,286,000
- Average approval$698,444
- Median approval$578,000
- Largest approval$1,374,000
- Jobs supported68
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Racine County, not Waterford
Racine County context, not Waterford figures
These are Racine 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 Racine County4,114
- Employment at those establishments, Racine County69,594
- Covered employment, Racine County76,342
- Average annual pay, Racine County$61,150
- Average weekly wage, Racine County$1,176
- Housing units permitted, Racine County277
- Of those, single family, Racine County163
- County product, 2024, Racine County$11,724,471,000
- County product change over the prior year, Racine County4.6 percent
- Average income of an arriving household, Racine County$62,699
Every figure in this section is published for Racine 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.
- 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
Waterford questions, answered from the record.
How many people live in Waterford, Wisconsin?
5,692, in 2,463 households. Waterford village covers 2.55 square miles of land, which is 2,231 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?
Racine 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?
$82,404. The median owner-occupied home is valued at $329,800. Median gross rent is $1,374 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?
35 7(a) approvals totalling $5.1 m, across 12 lenders, median approval $60,000, plus 9 504 approvals worth $6.3 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?
Of the 13 loans that have reached a final outcome, 10 were paid in full and 3 charged off, a charge off rate of 23.1 percent. Loans still running are excluded because they have not yet succeeded or failed.
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 Racine 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.