HomeWisconsinRacine CountyWaterford
Waterford, Wisconsin: commercial real estate data.
Waterford 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 since FY2020.
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$440,000
- Largest approval$785,000
- Jobs supported136
- Jobs per approval3.9
- Loans with a final outcome13
- Paid in full10
- Charged off3
- 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
Counted by borrower city: approvals to borrowers whose address is in Waterford, in any county, FY2020 to FY2026. Only 13 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.
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
Counted by borrower city: approvals to borrowers whose address is in Waterford, in any county, FY2010 to FY2026. Only 3 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.
Waterford
Flood risk in Waterford
- NFIP communityVillage of Waterford
- NFIP community number550354
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/11/24
The Village of Waterford participates in the National Flood Insurance Program as community 550354 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.
Racine County, not Waterford
Racine County context, not Waterford figures
- Establishments in Racine County4,114
- Covered employment, Racine County76,342
- Average annual pay, Racine County$61,150
- Housing units permitted, Racine County277
Every figure in this section is published for Racine 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, 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 totaling $5.1 m since FY2020, across 12 lenders, median approval $60,000, plus 9 504 approvals worth $6.3 m 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 13 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 Waterford in the National Flood Insurance Program?
Yes. Waterford appears in the FEMA Community Status Book as Waterford, village of, community 550354, 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 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?
No. Nothing on this page presents parcel level zoning.