New York / Saratoga County

Moving to Waterford, NY

Thinking of making a move to Waterford, NY? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Waterford, NY

Considering a move to Waterford, NY? This welcoming community of 8,184 residents offers a blend of suburban charm and convenience, with median home prices around $224,000 and average rents near $1,065. Commute times average 24 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (53% annually), ideal for families and commuters alike. Explore Waterford's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Waterford, NY

Waterford has a population of 8,184 residents, offering a diverse community with a median age of nearly 41 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 92% White, 3% Black, and 1% Asian residents, and over 9% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

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?

The cost of living in Waterford is higher than the national average, with a cost of living index of 98.5. Median home values are around $224,000 and average rents for a two-bedroom apartment are approximately $1,065. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

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 is considered a safe community, with a low violent crime rate of 117 incidents per 100,000 residents and a property crime chance of 1 in 90. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in New York.

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?

Waterford experiences four distinct seasons, with warm summers reaching highs of 83°F and cold winters dipping to 16°F. The area receives about 38 inches of rainfall annually and enjoys sunshine on 53% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
16°F
Max
34°F

Summer

Min
60°F
Max
83°F

Spring

Min
38°F
Max
65°F

Fall

Min
42°F
Max
67°F
Average Rainfall Inches
38.4 inches
Sunny Days Percentage
53%

Neighbors

The neighborhood boasts a healthy median household income of $66,900 and a low poverty rate of 9.1%. Over 92% of residents have at least a high school diploma, and nearly 27% hold a bachelor's degree or higher. Commute times average 24 minutes, and almost 2% use public transportation, reflecting the area's accessibility and educated population.

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 offers quality education options, with public schools like Waterford-Halfmoon Junior/Senior High School and Waterford-Halfmoon Elementary School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Hudson Valley Community College and Russell Sage College. The community is committed to educational excellence for all age groups.

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

Waterford residents have access to quality healthcare, with major hospitals like Samaritan Hospital and Albany Medical Center nearby. The community benefits from a high physician-to-resident ratio of 2.6 per 1,000 people and 94.1% health insurance coverage. Local healthcare services are reliable and comprehensive.

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

Healthcare Access

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 local housing market is strong, with a median home price of $224,000 and an owner-occupied rate of nearly 58%. The market has seen a 4.9% appreciation over the past year, and rental vacancy rates remain moderate at 6.2%. Waterford offers a mix of stability and opportunity for both buyers and renters.

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

Residents of Waterford handle vehicle services through the New York State Department of Motor Vehicles, conveniently located in Albany. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

State
New York
Department
New York State Department of Motor Vehicles
Address
224 S Pearl St, Albany, NY 12202
Phone
1-518-486-9786

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.

FAQs About Moving to Waterford, NY

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Waterford, review the core fields on this page: population 8,184, median home value $224,000, average rent for 2 bedroom $1,065, commute time 23.7 minutes, and sunny days percentage 53%.

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