Thinking About Moving to Waterford, NY? | City & Cost of Living Guide | RealHomeIntel

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Thinking About The Waterford, NY Area?

What it costs, how it lives, and what to check before you buy in Waterford. Sourced from U.S. Census, HUD, NCES, FEMA, and FCC — aggregated across the whole city, not just one neighborhood.

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Livability Score

86/ 100

Strong across most livability factors.

Cost of LivingB-

Housing MarketA-

EnvironmentA

WeatherA+

Population

11,615

Median Home

$271K

Median Income

$83K

Zip Codes Covered

With a population of 11,615, Waterford is a smaller NY city. Median household income is $83K with homes valued around $271K. The city scores highest in weather (A+).

Tends to fit: value-focused buyers.

Market Snapshot

Key housing and market metrics for Waterford, NY. Use these numbers as a starting point, then dig into specific neighborhoods.

Median Home Value

$271K

Vacancy Rate

8.0%

Owner-Occupied

70%

ZIP Code Breakdown

Area stats for ZIP codes in Waterford, sorted by population. Run a Real Report Card on a specific address for property-level detail.

12188

Area Stats

Pop: 11,615

Home Value: $271K

Waterford Area Map

Get oriented — see where Waterford sits and explore neighborhoods before you narrow in.

Nearby Areas

Explore the areas around Waterford — pick one to dig into its market, schools, and neighborhoods.

Latham Area

Home: $286K5 mi away

Albany Area

Home: $243K12 mi away

Delmar Area

Home: $309K15 mi away

Syracuse Area

Home: $158K125 mi away

New York City Area

Home: $704K141 mi away

Schools Near Waterford

Schools in and around Waterford, organized by type. School assignments vary by address — always confirm with the district directly.

Elementary Schools (4)

RENSSELAER PARK ELEMENTARY SCHOOL

TURNPIKE ELEMENTARY SCHOOL

WATERFORD-HALFMOON ELEMENTARY SCHOOL

WATERVLIET ELEMENTARY SCHOOL

Middle Schools (11)

ABRAM LANSING SCHOOL

BLUE CREEK SCHOOL

BOGHT HILLS SCHOOL

COHOES MIDDLE SCHOOL

HARMONY HILL SCHOOL

HEATLY SCHOOL

KNICKERBACKER MIDDLE SCHOOL

LATHAM RIDGE SCHOOL

PS 18

PS 2

VAN SCHAICK ISLAND SCHOOL

High Schools (3)

COHOES HIGH SCHOOL

LANSINGBURGH SENIOR HIGH SCHOOL

WATERFORD-HALFMOON JUNIOR-SENIOR HIGH SCHOOL

Private Schools (5)

CATHOLIC CENTRAL SCHOOL

LEARNING TO KNOW EDUCATIONAL CENTER

MOTHER TERESA ACADEMY

ST COLMAN'S SCHOOL

ST MARY'S SCHOOL

Livability Grades

How Waterford stacks up across six key categories.

Cost of LivingB-

Housing MarketA-

EnvironmentA

WeatherA+

AmenitiesA-

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Agents in NY

Joyce Mennella

Lucky to Live Here Realty

Cold Spring Harbor, NY · 20+ yrs

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The Bizzarro Agency, New York Real Estate Agents

New York City, NY

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James Hoffman Team - HUNT Real Estate ERA

Buffalo, NY

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Data sources: U.S. Census Bureau ACS, FEMA, EPA, NCES, NREL, HUD, FCC, NOAA, EIA, OpenStreetMap. Data represents the primary zip code for Waterford and may not reflect all neighborhoods. Market conditions change frequently; this page is for informational purposes only and does not constitute real estate advice. Last updated on a rolling basis.