Everything You Should Know Before Moving to Waterford, NY
Thinking of moving to Waterford, NY? This cozy community of 8,184 residents offers affordable living, with median home prices around $224,000 and average rents at $1,065. Waterford boasts low violent crime rates (117 per 100K), a reasonable 24-minute average commute, and good local schools with small class sizes. With over half the days sunny and easy access to healthcare and colleges nearby, Waterford blends small-town charm with Hudson River views and convenient access to the Albany metro area.
Demographics - Waterford, NY
Demographics - Waterford, NY
Waterford, NY is a close-knit community of about 8,184 residents, with a predominantly White population and a median age of 41.2 years. The area features a balanced gender ratio and a moderate percentage of non-English speakers, creating a friendly, diverse small-town environment.
Population:
8,184
Density:
2,800 per sq mi
Median Age:
41.2
Gender Ratio:
94 males per 100 females
Non-English Speakers Percentage:
8.5%
Ethnic Composition
White:
92.1%
Black:
2.6%
Asian:
1.2%
Others:
4.1%
Cost Of Living
What is the average cost of living in Waterford, NY?
Living in Waterford is relatively affordable, with median home values at $224,000 and average rent around $1,065. The overall cost of living index is just below the national average, making it an attractive choice for families and individuals seeking value in the Capital Region.
Median House Value:
$224,000
Gross Rent:
$1,065
Monthly Electricity Charges:
$120
Auto Insurance:
$1,275
House Owner Cost With Mortgage:
$1,450
House Owner Cost Without Mortgage:
$525
State Taxes:
Low:
4%
|
High:
8.82%
Cost Of Living Index:
98.5
Grocery:
101.2
Housing:
93.8
Utilities:
107.3
Transportation:
102.2
Health Care:
104.6
Miscellaneous:
95.8
Crime
Is Waterford, NY a safe place to live?
Waterford experiences low violent crime rates, with just 117 incidents per 100,000 residents, and a property crime rate that is moderate for the region. Residents enjoy a strong sense of safety, with a 1 in 855 chance of violent crime.
Violent Crimes Per 100k:
117
Property Crimes Per 100k:
1,108
Crime Index:
1,225
Chance Of Violent Crime:
1 in 855
Chance Of Property Crime:
1 in 90
Weather
What is the weather like in Waterford, NY year-round?
Residents of Waterford enjoy four distinct seasons, with warm summers reaching highs of 83°F and cold winters that dip to 16°F. The area receives an average of 38.4 inches of rainfall annually and experiences sunshine about 53% of the year, offering a classic Upstate New York climate.
Winter
Min:
16°F
Max:
34°F
Spring
Min:
38°F
Max:
65°F
Summer
Min:
60°F
Max:
83°F
Fall
Min:
42°F
Max:
67°F
Average Rainfall Inches:
38.4 inches
Sunny Days Percentage:
53%
Neighbors
Waterford's households have a median income of $66,900 and a per capita income of $32,650, with an unemployment rate of just 4.1%. Most residents have at least a high school diploma, and commute times are manageable at around 24 minutes, reflecting a balanced work-life atmosphere.
Median Income:
$38,500
Household Income:
$66,900
Family Income:
$79,400
Per Capita Income:
$32,650
Income Male:
$45,700
Income Female:
$39,200
Poverty Rate:
9.1%
Non English Speakers:
8.5%
Rent:
$1,065
Unemployment Rate:
4.1%
Public Transport Usage:
2.3%
Commute Time:
23.7 minutes
Education
High School or Higher:
91.7%
Bachelors or More:
27.3%
Education
How are the schools in Waterford, NY?
Waterford provides quality education through small, community-focused public and private schools, with favorable student-teacher ratios. The town is also near respected colleges like Hudson Valley Community College and Russell Sage College, offering higher education opportunities within a short drive.
Public Schools
Name:
Waterford-Halfmoon Junior/Senior High School
Street:
125 Middletown Rd
Phone:
518-237-0800
Students:
430
Student Teacher Ratio:
11.5
Name:
Waterford-Halfmoon Elementary School
Street:
125 Middletown Rd
Phone:
518-237-0800
Students:
320
Student Teacher Ratio:
12.9
Private Schools
Name:
St. Mary's School
Street:
35 4th St
Phone:
518-237-0652
Students:
110
Colleges
Name:
Hudson Valley Community College
City:
Troy
State:
NY
Distance:
6 miles
Students:
8,500
Name:
Russell Sage College
City:
Troy
State:
NY
Distance:
7 miles
Students:
2,600
Healthcare
The community benefits from nearby major hospitals like Samaritan Hospital and Albany Medical Center, with a high rate of health insurance coverage (94.1%) and solid access to physicians. Healthcare services are comprehensive, supporting the needs of Waterford's families and seniors alike.
Major Hospitals
Name:
Samaritan Hospital
Address:
2215 Burdett Ave, Troy, NY 12180
Phone:
(518) 271-3300
Type:
General & Surgical
Emergency Services:
Yes
Name:
Albany Medical Center
Address:
43 New Scotland Ave, Albany, NY 12208
Phone:
(518) 262-3125
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.6
Health Insurance Coverage:
94.1%
Health Care Index:
78.2
Housing Market
What is the housing market like in Waterford, NY?
The housing market in Waterford offers attainable options, with a median home price of $224,000 and over half of homes being owner-occupied. Rents are reasonable, vacancy rates are healthy, and home values have appreciated nearly 5% over the past year.
Median Home Price:
$224,000
Average Rent For 2 Bedroom:
$1,065
Owner Occupied Rate:
57.8%
Rental Vacancy Rate:
6.2%
Home Appreciation Rate (1yr):
4.9%
New Construction Rate:
0.7%
Foreclosure Rate:
0.6%
DMV Information
Waterford residents are served by the New York State Department of Motor Vehicles, with the nearest office conveniently located in Albany. All standard motor vehicle services, including licensing and registration, are accessible both in person and online.
State:
New York
Department:
New York State Department of Motor Vehicles
Address:
224 S Pearl St, Albany, NY 12202
Phone:
1-518-486-9786
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.