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Home values, rents and more in Waterford, NY

September 2026 figures from Zillow and the U.S. Census Bureau · updated 2026-11-07

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Typical rent
$1,608/mo
Metro: $1,693 · U.S.: $1,932
Population
2,085
ACS 2020–24
Median household income
$72,938
Metro: $88,074 · U.S.: $80,734
ZIP codes around Waterford, NY, shaded by typical home valueWaterford12182
  • Under $290k
  • $290k–$320k
  • $320k–$330k
  • $330k–$360k
  • $360k+
  • No data
ZIP codes around Waterford, NY, shaded by typical home value (Zillow, ZIP codes). Dashed lines are county borders. Waterford is outlined.

How Waterford compares

Typical rent is $1,608 a month (Zillow Observed Rent Index), 5% below the Albany metro area ($1,693) and 17% below the U.S. ($1,932).

The median household income is $72,938, against $88,074 in the Albany metro area and $80,734 in the U.S. (Census Bureau, American Community Survey 2020–24).

About 2,085 people live in Waterford (American Community Survey 2020–24).

Part of: Saratoga County, NY · Albany metro area · New York

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  • 5- and 10-year price changes
  • Days on market and months of supply
  • Price cuts and sale-to-list ratio
  • Price-to-income and monthly cost to buy
  • Crime rates
  • Homeowners insurance premiums
  • Commute time to downtown
  • Flood, wildfire and natural hazard risk
  • Property-tax rate
  • 2024 presidential vote
  • Age, education and household make-up
  • Amenities and transit nearby
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Nearby cities

ZIP codes in Waterford, NY

Sources

Home values: Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted, September 2026. Rents: Zillow Observed Rent Index (ZORI), seasonally adjusted. Population: Census population estimates (July 2025) for states, metros and counties; ACS 2020–24 for cities and ZIP codes. Income: U.S. Census Bureau, ACS 2020–24 5-year estimates. Boundaries: U.S. Census Bureau cartographic boundary files. Compiled by Home Economics.

"Typical" is Zillow's middle-tier value (homes between the 35th and 65th percentiles), not a median sale price. Changes are over the 12 months to September 2026.

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