Median Income
$58,875
22% lower than US avg
Home Value
$163,000
42% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
18.9%
44% lower than US avg
Median Rent
$1,031
11% lower than US avg
Obesity Rate
37.1%
16% higher than US avg
Unemployment
6.0%
67% higher than US avg
Poverty Rate
12.6%
2% higher than US avg
How Waterford Compares to the U.S. Average (100% = U.S. avg)
People
Population1,254
Median Age48.3 yrs
Density1,020/mi²
Male / Female46% / 54%
Largest GroupWhite 91%
Veterans9.3%
Economy
B
Median Income$58,875
Per Capita$33,726
Unemployment6.0%
Poverty12.6%
County GDP$1,726M
Commute31 min
Housing
A+
Home Value$163,000
Rent$1,031
Ownership51.7%
Zillow$159,518
Housing Units640
Rent Burden22.7%
Crime
C+
Violent0/100K
Property3,109/100K
Health
Obesity37.1%
Smoking27.6%
Heart Disease7.4%
Climate
Avg Temp47°F (8°C)
AQI40 (Good)
Rain49.0 in/yr
Sunny Days275/yr
Elevation1,213 ft (370 m)
Education
C+
Bachelor's+18.9%
High School+89.8%
Graduate+6.4%
School Score5.62
Community
2024 VoteR 69% / D 30%
Commute31 min
Broadband91.0%
EV Stations3
Libraries5
Is Waterford a Good Place to Live?
Based on current data, Waterford receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include above-average unemployment, below-average incomes. Waterford offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Waterford is $58,875, 22% below the national average of $75,149. The unemployment rate of 6.0% is somewhat elevated compared to the national rate of 3.6%. 12.6% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Waterford is $163,000, 42% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,031 per month, below the national average / a plus for affordability. At just 2.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Waterford is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 3,109 per 100,000, 59% above the national average.
Education
18.9% of residents hold a bachelor's degree, below the national average of 33.7%. 89.8% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Waterford experiences four distinct seasons with an average temperature of 47°F. Winters average 24°F in January while summers reach 69°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 49.0 inches, including 114.2 inches of snow. Air quality is rated Good with a median AQI of 40.
Waterford has a population of 1,254 with a density of 1,020 people per square mile, spread across 0.5 square miles. The median age is 48.3 years, 24% older than the national median of 38.9. The gender split is 53.7% female and 46.3% male. The city is predominantly White (90.6%). English is the primary language spoken at home by 97.3% of residents. 9.3% of the population are veterans, above the national rate of 6.0%. 11.8% of residents have a disability. 93.4% have health insurance coverage.
Population
48.3yrs
Median Age
24% above US avg
Race & Ethnicity
Waterford vs U.S. Average
Language Spoken at Home
English Only
97.3%
24% above US avg
Spanish
2.7%
80% below US avg
Social Characteristics
Waterford vs U.S. Average
The median household income in Waterford is $58,875, which is 22% below the national average of $75,149. Per capita income is $33,726 (below the $39,052 national figure). The average weekly wage is $1,000, 30% lower than the U.S. average. The unemployment rate is 6.0% (above the 3.6% US average). 12.6% of residents live below the poverty line. The area has 910 business establishments, including 71 restaurants. The cost of living index is 97.6, roughly in line with the national average. Workers commute an average of 31 minutes. 6.0% of workers work from home (below the 15.2% national rate).
Income: Waterford vs U.S.
Income
| Median HH Income | $58,875 |
| 22% below US avg |
| Per Capita Income | $33,726 |
| Avg Weekly Wage | $1,000 |
| IRS Avg AGI | $60,871 |
| Gini Index | 0.420 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 6.0% |
| 67% above US avg |
| Poverty Rate | 12.6% |
| 2% above US avg |
| Establishments (County) | 910 |
| County GDP | $1,726M |
Business (County)
| Restaurants | 71 |
| Healthcare | 111 |
| Retail | 107 |
| Manufacturing | 48 |
Tax & Cost of Living
| Property Tax (IRS) | $4,496 |
| 28% above US avg |
| Cost of Living | 97.60 (100=avg) |
| Effective Tax Rate | 2.76% |
Commute & Transportation
| Commute Time | 31.1 min |
| Drive Alone | 74.3% |
| Public Transit | 0.0% |
| Work from Home | 6.0% |
The median home value in Waterford is $163,000, 42% below the national median of $281,900. Zillow estimates the typical home value at $159,518. Homes sell for 94.4% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,031 (11% below the national average of $1,163). Fair market rent ranges from $996 for a one-bedroom to $1,225 for a two-bedroom apartment. 51.7% of housing units are owner-occupied (below the 65.4% national rate). There are 640 total housing units in the city. The median year a home was built is 1961. The average annual property tax is $4,496 (higher than the $3,500 national average). 22.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.8x, well within the affordable range.
Home Values
| Census Median | $163,000 |
| 42% below US avg |
| Zillow ZHVI | $159,518 |
| Median List Price | $239,900 |
Real Estate Market (Redfin)
| Median List Price | $239,900 |
| $/Sq Ft | $92 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 94.4% |
| Price Drops | 0.0% |
| Inventory | 1 |
Rental Costs
| Census Median Rent | $1,031 |
| 11% below US avg |
| Rent Burden | 22.7% |
HUD Fair Market Rent
| Studio | $900 |
| 1 Bedroom | $996 |
| 2 Bedrooms | $1,225 |
| 3 Bedrooms | $1,570 |
| 4 Bedrooms | $1,744 |
Ownership & Property
| Homeownership | 51.7% |
| Owner-Occupied | 51.7% |
| Renter-Occupied | 48.3% |
| Housing Units | 640 |
| Median Year Built | 1961 |
Property Tax
| Avg Tax (IRS) | $4,496 |
| 28% above US avg |
| Effective Rate | 2.76% |
In Waterford, 37.1% of adults are obese, above the national rate of 32.1%. 11.5% have diabetes. Heart disease affects 7.4% of residents, above the national average. 31.5% have high blood pressure. 27.6% are current smokers (above the 14.0% national rate). 20.0% report binge drinking. 30.8% are physically inactive, above the national average. 17.7% experience frequent mental distress. The primary care physician ratio is 1:2,542. The dentist ratio is 1:2,100. 77.5% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Health Metrics: Waterford vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.1% |
| 16% above US avg |
| Diabetes | 11.5% |
| Heart Disease | 7.4% |
| High Blood Pressure | 31.5% |
| Asthma | 11.0% |
| COPD | 8.8% |
| Cancer | 6.4% |
| Kidney Disease | 3.4% |
| Stroke | 3.9% |
Behaviors & Mental Health
| Smoking | 27.6% |
| 97% above US avg |
| Binge Drinking | 20.0% |
| Physical Inactivity | 30.8% |
| Mental Distress | 17.7% |
| Physical Distress | 16.1% |
| Short Sleep | 42.8% |
Healthcare Access
| Insurance Rate | 93.4% |
| |
| Primary Care | 1:2,542 |
| Dentists | 1:2,100 |
| Mental Health | 1:671 |
| Checkup Rate | 72.8% |
| Dental Visits | 58.6% |
| Premature Death | 9,023/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 77.5% |
| Healthcare Facilities | 111 |
Waterford has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 3,109 per 100,000, 59% above the U.S. average. The county recorded 7 fatal traffic crashes. Overall, Waterford receives a safety grade of C+.
Crime Rates: Waterford vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 3,108.7/100K |
| 59% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Traffic Accidents | 73 |
| Avg Accident Severity | 2.5 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Waterford experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 24°F in January while summers reach 69°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 49.0 inches (wetter than the 38-inch national average). The area receives 114.2 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 1,213 feet.
Temperature
24°F Jan (-4°C)
69°F Jul (21°C)
| Annual Average | 47.1°F |
| 13% below US avg |
| January Average | 24°F (-4°C) |
| July Average | 69°F (21°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 1,213 ft (370 m) |
| Area | 0.5 sq mi (1.2 km²) |
| Population Density | 1,020/sq mi |
| Coordinates | 41.9452°N, 79.9851°W |
| Timezone | America/New_York |
| County | Warren County County |
| Nearest Airport | Erie International/Tom Ridge Field (ERI)
14 miles away |
Precipitation & Snow
Annual Rainfall
49.0"
29% above US avg
Wettest Month (Jun)
4.57"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 65.6 / 100 |
| Social Vulnerability | 50.9 / 100 |
| Community Resilience | 79.8 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
37 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.5. Most recent: M2.5 on May 12, 2025.
| Sep 25, 1998 |
2 km SW of Adamsville, Pennsylvania |
M4.5 |
60 km |
| Jun 10, 2019 |
1 km NW of Timberlake, Ohio |
M4.0 |
126 km |
| Jan 26, 2001 |
8 km NNW of Edgewood, Ohio |
M3.9 |
68 km |
| Feb 6, 2023 |
1 km NE of West Seneca, New York |
M3.8 |
142 km |
| Mar 12, 2007 |
Ohio |
M3.7 |
138 km |
| Jun 30, 2003 |
6 km NW of Perry, Ohio |
M3.6 |
102 km |
| Oct 16, 1993 |
8 km SSE of Madison, Ohio |
M3.6 |
89 km |
| Aug 28, 2023 |
7 km SE of Madison, Ohio |
M3.6 |
85 km |
| Jun 20, 2006 |
9 km WNW of North Perry, Ohio |
M3.5 |
104 km |
| Mar 15, 1992 |
15 km NW of North Perry, Ohio |
M3.5 |
104 km |
| Jan 26, 1991 |
1 km NNE of Mayfield Heights, Ohio |
M3.4 |
130 km |
| Jun 3, 2001 |
3 km N of Edgewood, Ohio |
M3.4 |
65 km |
| Jun 30, 2004 |
2 km WNW of Madison, Ohio |
M3.3 |
93 km |
| Jul 1, 2013 |
5 km NNW of Fairport Harbor, Ohio |
M3.2 |
110 km |
| Jan 9, 2008 |
6 km WNW of Mentor-on-the-Lake, Ohio |
M3.1 |
122 km |
| Mar 11, 2006 |
8 km NNW of Mentor-on-the-Lake, Ohio |
M3.1 |
118 km |
| Apr 25, 2010 |
2 km WNW of Madison, Ohio |
M3.0 |
93 km |
| Mar 30, 2024 |
2 km SSW of Maple Ridge, Ohio |
M3.0 |
147 km |
| Jun 16, 2004 |
11 km NNW of Angola on the Lake, New York |
M2.9 |
117 km |
| Feb 23, 1995 |
3 km W of Ashtabula, Ohio |
M2.9 |
70 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
180 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 47 fatalities, 409 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 31, 1985 |
EF4 |
49 km |
12 |
| May 31, 1985 |
EF4 |
87 km |
4 |
| May 31, 1985 |
EF4 |
68 km |
16 |
| May 31, 1985 |
EF4 |
3 km |
0 |
| May 31, 1985 |
EF4 |
53 km |
7 |
| May 31, 1985 |
EF3 |
51 km |
0 |
| May 31, 1985 |
EF3 |
63 km |
0 |
| May 31, 1985 |
EF3 |
29 km |
0 |
| May 31, 1985 |
EF3 |
31 km |
2 |
| May 2, 1983 |
EF3 |
38 km |
2 |
| May 2, 1972 |
EF3 |
56 km |
0 |
| Jun 2, 1971 |
EF3 |
15 km |
0 |
| Jun 20, 1969 |
EF3 |
31 km |
0 |
| Mar 1, 1955 |
EF3 |
94 km |
1 |
| Apr 14, 2019 |
EF2 |
60 km |
0 |
| Oct 2, 2018 |
EF2 |
37 km |
0 |
| Nov 5, 2017 |
EF2 |
73 km |
0 |
| Nov 14, 2011 |
EF2 |
73 km |
0 |
| Nov 14, 2011 |
EF2 |
51 km |
0 |
| Jul 24, 2010 |
EF2 |
84 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
Highest wave on record: 2.7 m (9 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1823 |
LAKE ERIE |
Unknown |
2.7 m |
— |
92 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (628 ac, 1990).
| Year |
Name |
Acres |
Distance |
| 1990 |
UNNAMED |
628 |
63 km |
| 2021 |
UNNAMED |
586 |
62 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
24°F (-4°C) |
2.7 in |
Coldest |
| February |
25°F (-4°C) |
2.5 in |
Driest |
| March |
34°F (1°C) |
3.2 in |
|
| April |
45°F (7°C) |
3.5 in |
|
| May |
56°F (13°C) |
3.8 in |
|
| June |
64°F (18°C) |
4.6 in |
Wettest |
| July |
69°F (21°C) |
4.2 in |
Warmest |
| August |
67°F (20°C) |
4.4 in |
|
| September |
60°F (16°C) |
4.5 in |
|
| October |
50°F (10°C) |
4.0 in |
|
| November |
39°F (4°C) |
4.3 in |
|
| December |
29°F (-2°C) |
3.8 in |
|
Waterford has a seasonal temperature swing of 45°F / from 24°F in January to 69°F in July. Total annual precipitation is 45.5 inches, with June being the wettest month (4.6") and February the driest (2.5").
Average costs for common services in Waterford. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$244 ($146–$390) |
| Specialist Visit |
$342 ($195–$537) |
| Urgent Care Visit |
$195 ($98–$342) |
| Emergency Room Visit |
$2,147 ($781–$4,880) |
| Dental Cleaning |
$127 ($73–$195) |
| Dental Filling |
$244 ($146–$390) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24–$73) |
| Oil Change (Synthetic) |
$73 ($49–$117) |
| Brake Pad Replacement |
$293 ($146–$488) |
| Tire Rotation |
$39 ($20–$73) |
| New Tires (Set of 4) |
$586 ($390–$976) |
| Battery Replacement |
$195 ($98–$342) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$98 ($59–$146) |
| Electrician (Per Hour) |
$88 ($49–$137) |
| HVAC Repair |
$390 ($146–$781) |
| HVAC System Install |
$6,832 ($3,904–$11,712) |
| Roof Repair |
$976 ($390–$1,952) |
| Roof Replacement |
$8,784 ($5,368–$14,640) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,464 ($488–$3,416) |
| Divorce (Contested) |
$14,640 ($4,880–$29,280) |
| DUI Defense |
$4,880 ($1,952–$9,760) |
| Bankruptcy (Chapter 7) |
$1,464 ($781–$2,928) |
| Will Preparation |
$488 ($195–$976) |
| Trust Preparation |
$2,440 ($976–$4,880) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15–$44) |
| Women's Haircut |
$54 ($29–$98) |
| Hair Coloring (Full) |
$146 ($73–$244) |
| Manicure |
$24 ($15–$44) |
| Pedicure |
$39 ($24–$63) |
| Massage (1 Hour) |
$78 ($49–$127) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.00 ($2.93–$5.37) |
| Dozen Eggs (per dozen) |
$3.42 ($2.44–$4.88) |
| Loaf of Bread |
$3.71 ($2.44–$5.37) |
| Chicken Breast (per lb) |
$4.39 ($2.93–$6.34) |
| Ground Beef (per lb) |
$5.37 ($3.90–$7.32) |
| Rice (per lb) |
$0.98 ($0.59–$1.76) |
View all 20 services
Utilities
| Electricity (Monthly) |
$137 ($78–$244) |
| Natural Gas (Monthly) |
$68 ($29–$146) |
| Water/Sewer (Monthly) |
$68 ($39–$117) |
| Internet (Monthly) |
$68 ($39–$98) |
| Cell Phone Plan (Monthly) |
$63 ($29–$98) |
| Cable TV (Monthly) |
$83 ($49–$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$195 ($73–$488) |
| Car Insurance (Annual) |
$1,952 ($1,171–$3,416) |
| Bus Pass (Monthly) |
$68 ($29–$127) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.81–$24) |
| Car Registration (Annual) |
$98 ($29–$244) |
| Driver's License Renewal |
$29 ($15–$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,171 ($586–$2,440) |
| Daycare (Toddler, Monthly) |
$976 ($488–$1,952) |
| After-School Care (Monthly) |
$390 ($195–$683) |
| Tutoring (Per Hour) |
$49 ($24–$98) |
| SAT/ACT Prep Course |
$976 ($390–$2,440) |
| Private School (K-12, Annual) |
$12,200 ($4,880–$29,280) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($29–$98) |
| Dog Vaccination (Annual) |
$98 ($49–$195) |
| Dog Grooming |
$59 ($29–$98) |
| Pet Boarding (Per Night) |
$39 ($20–$73) |
| Dog Spay/Neuter |
$293 ($146–$488) |
| Cat Spay/Neuter |
$195 ($98–$390) |
View all 9 services
Frequently Asked Questions About Waterford
What is the population of Waterford?
Waterford has a population of 1,254 residents and is located in Pennsylvania. The population density is 1,020 people per square mile, spread across 0.5 square miles. The median age of residents is 48.3 years, which is older than the national median of 38.9 years. The population is 53.7% female and 46.3% male.
Is Waterford expensive to live in?
Waterford has a cost of living roughly in line with the national average, with an index of 97.6 (baseline: 100). The median household income is $58,875, 22% below the national average of $75,149. The median home value is $163,000 (42% below the U.S. median). Renters pay a median of $1,031 per month, below the national average of $1,163. The home price-to-income ratio is 2.8x, indicating housing is reasonably affordable relative to local income levels.
Is Waterford safe?
Waterford is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 3,109 per 100,000 (above the national average). Overall, Waterford receives a safety grade of C+ based on combined crime data.
What is the weather like in Waterford?
Waterford has a four-season climate with an average annual temperature of 47°F (8°C). Winter temperatures average 24°F in January, while summers reach an average of 69°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 49.0 inches, with 114.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 40.
How is the job market in Waterford?
The unemployment rate in Waterford is 6.0%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,000. There are 910 business establishments in the area, including 71 restaurants and food service locations. The average commute time is 31 minutes, and 6.0% of workers work from home.
How much does housing cost in Waterford?
The median home value in Waterford is $163,000. Zillow estimates the typical home value at $159,518. For renters, the median monthly rent is $1,031. Fair market rent is $996 for a 1-bedroom and $1,225 for a 2-bedroom apartment. The homeownership rate is 51.7%. The average annual property tax is $4,496.
How are the schools in Waterford?
Schools in Waterford score 5.6 out of 10 on standardized testing, near the national average. 18.9% of adults in Waterford hold a bachelor's degree or higher, below the national average of 33.7%. 89.8% have completed high school. 6.4% hold a graduate or professional degree.
How healthy is Waterford?
The obesity rate in Waterford is 37.1% (above the national rate of 32.1%). 27.6% of adults are smokers. 30.8% are physically inactive. 77.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,542.
What is transportation like in Waterford?
The average commute in Waterford is 31 minutes, longer than the national average of 28 minutes. 74.3% of workers drive alone to work, and 6.0% work from home.
What are the demographics of Waterford?
The racial and ethnic makeup of Waterford is 90.6% White. 97.3% of residents speak only English at home. 9.3% of the population are military veterans. 11.8% of residents have a disability. 93.4% have health insurance coverage.
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