Waterford, New York Demographics & Population 2026
During the 2020–2024 ACS period, Waterford, New York had a total population of 2,085, the 611th largest village in New York, with a median household income of $72,938, which is 15% lower than the state average. The poverty rate is 10.6%.
Data vintage: U.S. Census Bureau ACS 2020–2024 5-Year Estimates · refreshed July 2026 · Methodology & source notes
Key Takeaways
- Housing is very affordable with a home-value-to-income ratio of just 2.2x.
Waterford Quick Facts
How Waterford Changed
Change from the 2019–2023 ACS period to 2020–2024. These are rolling five-year estimates, not year-over-year measurements.
| Metric | 2019–2023 | 2020–2024 | Change |
|---|---|---|---|
| Population | 2,053 | 2,085 | +1.6% |
| Median household income | $68,203 | $72,938 | +6.9% |
| Median home value | $166,700 | $157,500 | -5.5% |
How Waterford Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Detailed income brackets
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 65 | National average: 61
Education
Educational Attainment (Adults 25+)
Waterford Rankings in New York
Explore New York Rankings
Other Cities in Saratoga County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| Saratoga Springs | 28,631 | $105,944 | 9.7% | $478,100 |
| Country Knolls | 5,445 | $143,036 | 1.4% | $383,700 |
| Mechanicville | 5,124 | $50,675 | 18.1% | $186,500 |
| Ballston Spa | 5,027 | $101,667 | 8.6% | $308,200 |
| Milton (Saratoga County) | 4,450 | $94,982 | 2.5% | $354,700 |
| South Glens Falls | 3,737 | $58,542 | 12.4% | $212,700 |
| Clifton Knolls-Mill Creek | 3,349 | $188,750 | 0.0% | $386,200 |
| Corinth | 2,592 | $76,071 | 14.0% | $188,100 |
| Clifton Gardens | 2,420 | $57,245 | 2.6% | $316,300 |
| Stillwater | 1,874 | $90,060 | 8.0% | $271,900 |
Cities Similar to Waterford
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Hamilton College | 2,058 | N/A | N/A | 66.7% | 0.0% |
| Lima | 2,064 | $69,420 | $203,300 | 37.0% | 6.0% |
| Nedrow | 2,029 | $70,489 | $106,900 | 26.1% | 4.9% |
| Lake Katrine | 2,176 | $72,031 | $298,000 | 32.7% | 10.1% |
| Wayland | 2,007 | $74,688 | $99,500 | 15.3% | 17.0% |
Population Overview
Waterford is a small community located in New York, within Saratoga County. The total population is 2,085. It ranks as the 611th most populous out of 1,289 Census-designated places in New York.
Age Demographics
The median age in Waterford is 42.4 years. This is 7% higher than the state median of 39.8 years.
Economy, Income & Housing
The median household income in Waterford is $72,938. This is 15% lower than the state median of $85,974. It is also 10% lower than the national median of $80,734. The poverty rate stands at 10.6%. This is 24% lower than the state poverty rate of 14.0%. The unemployment rate is 2.8%. This is 56% lower than the state rate of 6.4%. The median home value is $157,500. Housing costs are 63% lower than the state median of $423,800. With a home-value-to-income ratio of just 2.2x, Waterford is one of the most affordable housing markets in the area. 53.8% of occupied housing units are owner-occupied. This homeownership rate is 1% lower than the state average of 54.4%.
Race & Ethnicity
Waterford has a predominantly White (non-Hispanic) population, comprising 86.4% of all residents. Asian residents account for 7.5%. The White (non-Hispanic) population is significantly higher than the state average (86.4% vs 52.8%). The Black or African American population (0.1%) is well below the state average of 13.4%. The Hispanic or Latino population (1.6%) is well below the state average of 19.8%.
Education
22.5% of residents aged 25 and older hold a bachelor's degree or higher. This is 44% lower than the state rate of 40.2%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 95.3%.
Data Sources & Methodology
All demographic data for Waterford, New York is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against New York state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 1,289 Census-designated places in New York. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.
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Frequently Asked Questions
What is the population of Waterford, New York?
Waterford, New York has a population of 2,085 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Waterford, NY?
The median household income in Waterford is $72,938, which is 10% lower than the national median of $80,734.
What is the poverty rate in Waterford, NY?
The poverty rate in Waterford is 10.6%. This means approximately 221 residents live below the federal poverty line.
What is the racial makeup of Waterford, New York?
Waterford's population is 86.4% White, 0.1% Black, 1.6% Hispanic/Latino, and 7.5% Asian.
What is the median home value in Waterford, NY?
The median home value in Waterford is $157,500. The home-value-to-income ratio is 2.2x.
How educated is Waterford, New York?
22.5% of adults (25+) in Waterford hold a bachelor's degree or higher, and 9.2% hold a graduate or professional degree.