Waterford, CA demographics:
population, income, and more

Total population
9,204
0.3% year-over-year change
Median household income
$74,343/yr
1.7% year-over-year change
Housing units
2,720
3.6% year-over-year change

Waterford population

How many people live in Waterford

Waterford is home to 9,204 residents, according to the most recent Census data. Gender-wise, 51.4% of Waterford locals are male, and 48.6% are female.

Total population
9,204
0.3% year-over-year change
Gender ratio
Male
51.4%
4,732
Female
48.6%
4,472
Value Percent YoY change
Male 4,732 51.4% 1.8%
Female 4,472 48.6% -1.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Waterford is 32, with the population distributed as follows: about 22.8% are children under 15, then 17% are in the 15 to 24 age group. Adults between 25 and 44 make up 24.9% of the population, while another 27.4% fall into the 45 to 64 bracket. Finally, around 8% are 65 or older.

Median age
31.7
Age breakdown
Under 15
22.8%
15 to 24
17%
25 to 44
24.9%
45 to 64
27.4%
Over 65
8%
Value Percent YoY change
Under 15 2,098 22.8% -7.8%
15 to 24 1,563 17% 0.3%
25 to 44 2,290 24.9% 0.1%
45 to 64 2,518 27.4% 5.1%
Over 65 735 8% 11.4%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Waterford, 74.4% of the population are US-born citizens, while 7.1% have gained naturalized citizenship. At the same time, 18.5% of residents are non-citizens. As for race, 52.7% of locals are Caucasian, 0.6% are African American and 3.8% have Asian roots. Another 0.4% are Indigenous American, 0.6% are Pacific Islanders, while 8.1% identify as another race. There’s also a share of 33.8% that includes residents with two or more races.

Citizenship
U.S.-born citizens
74.4%
Non-U.S.-born citizens
7.1%
Non-citizens
18.5%
Value Percent YoY change
U.S.-born citizens 6,848 74.4% -4.3%
Non-U.S.-born citizens 652 7.1% -5.5%
Non-citizens 1,704 18.5% 28.1%
Racial breakdown
White
52.7%
Black or African American
0.6%
American Indian and Alaska Native
0.4%
Asian
3.8%
Native Hawaiian and other Pacific Islander
0.6%
Two or more races
33.8%
Other
8.1%
Value Percent
White 4,848 52.7%
Black or African American 52 0.6%
American Indian and Alaska Native 38 0.4%
Asian 354 3.8%
Native Hawaiian and other Pacific Islander 54 0.6%
Two or more races 3,111 33.8%
Other 747 8.1%

Households in Waterford

A peek inside Waterford households

Waterford has 2,581 households, with an average of 4 members in each. Of these, 82.4% are families, while the remaining 17.6% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
2,581
7.6% year-over-year change
Average people per household
4
Non-family households
455
Family households
2,126
Value Percent YoY change
Non-family households 455 17.6% 19.7%
Family households 2,126 82.4% 5.3%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Waterford

The housing landscape of Waterford

Waterford's housing consists of 2,720 units, with 81.4% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 1.6% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 3% of the housing landscape.

Housing units
2,720
3.6% year-over-year change
Housing types
Value Percent
1 unit, detached 2,214 81.4%
1 unit, attached 45 1.6%
2 units 115 4.2%
3 or 4 units 92 3.4%
5 to 9 units 64 2.4%
20 to 49 units 9 0.3%
50 or more units 100 3.7%
Mobile home 81 3%
Homes built since 2020
88
-3.3% year-over-year change

The age of buildings in Waterford

In Waterford, the median construction year is 1987. About 3.4% of homes were built before the 1940s, with another 7.5% going up by 1949. Most development happened in the second half of the 20th century. Then, 18.1% of homes were added from 2000 to 2009, 3% between 2010 and 2019, and 3.2% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 93 3.4% -32.6%
Built between 1940 and 1949 205 7.5% 27.3%
Built between 1950 and 1959 166 6.1% 12.2%
Built between 1960 and 1969 223 8.2% 18.0%
Built between 1970 and 1979 321 11.8% -4.8%
Built between 1980 and 1989 506 18.6% 16.6%
Built between 1990 and 1999 544 20% 4.4%
Built between 2000 and 2009 493 18.1% -4.8%
Built between 2010 and 2019 81 3% -9.0%
Built in 2020 or later 88 3.2% -3.3%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Waterford occupancy rates

Out of the 2,581 occupied housing units in Waterford, 55.8% are owner-occupied, while 44.2% are lived in by tenants. Meanwhile, 5.1% of all homes on the local market sit vacant.

Occupied housing units
2,581
7.6% year-over-year change
Occupancy breakdown
Renter occupied
1,141
Owner occupied
1,440
Value Percent YoY
change
Renter occupied 1,141 44.2% 2.9%
Owner occupied 1,440 55.8% 11.6%
Unoccupied housing units
5.1%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Waterford housing costs

Housing costs in Waterford come to a median of $1,622 per month, while tenants specifically pay a median gross rent of $1,620.

Median housing costs per month
$1,622/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Waterford
$1,620/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Waterford

Waterford education at a glance

About 49.9% of the population in Waterford went to high school, while 21.5% pursued college studies. Another 3.5% earned an associate degree and 6.1% hold a bachelor’s. Meanwhile, 2.9% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 1,066 16% -4.0%
High school diploma 3,319 49.9% 1.5%
College diploma 1,432 21.5% 11.3%
Associate degree 235 3.5% -19.5%
Bachelor's degree 408 6.1% 37.8%
Graduate degree 190 2.9% 36.7%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Waterford

How much people earn in Waterford

The average annual household income in Waterford was $96,343 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.2% change from the previous year. At the same time, the median income stood at $74,343, reflecting a +1.7% shift over the same period.

Average household income in Waterford
$96,343/year
3.2% year-over-year change
Median household income in Waterford
$74,343/year
1.7% year-over-year change

Waterford income by age

In Waterford, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $79,792. Those with someone between 45 and 64 in charge, often well established professionally, earn $74,356 overall. Overall, 85.8% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $79,792 3.0%
45 - 64 $74,356 -2.8%
Over 65 $43,676 5.9%
Above poverty level
7,768
Below poverty level
1,280
Value Percent YoY
change
Above poverty level 7,768 85.8% 0.3%
Below poverty level 1,280 14.2% 1.4%

Average renter income in Waterford

To get a better sense of what renters earn on average in Waterford, their median household income was $57,708 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 33.7%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$57,708
Rent-to-income ratio
33.7%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Waterford

Workforce and job types in Waterford

The job market in Waterford is powered by 4,020 working residents, spread across a range of industries and roles. 56.2% of the working population are employed in professional or administrative positions, while 43.8% are in hands-on or service-based jobs. Also, 7.4% run their own businesses, 75% are employed by private companies, and 16.3% work in the public sector.

Workforce demographics

Working population
4,020
1.2% year-over-year change
White collar
2,261
Blue collar
1,759
Value Percent YoY change
White collar 2,261 56.2% 2.7%
Blue collar 1,759 43.8% -0.8%
Employer type
Self employees
7.4%
Private companies
75%
Governmental workers
16.3%
Not for profit companies
1.2%
Value Percent YoY change
Self employees 297 7.4% -3.9%
Private companies 3,016 75% -3.5%
Governmental workers 657 16.3% 56.8%
Not for profit companies 50 1.2% -59.0%
Unemployment rate
7.9%
34.5% year-over-year change

Available workforce

The unemployment rate in Waterford stands at 7.9%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Waterford

How people get around in Waterford

In Waterford, the average commute time is 28 minutes. Commuting methods vary: 93.5% of residents travel by personal vehicle and 1.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
28 min
-3.5% year-over-year change
Means of transportation
Value Percent YoY change
Car 3,510 93.5% 2.1%
Walk 66 1.8% 34.7%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Waterford by zipcode?

Zipcode Population Number of households Median income Average income
95386 10,666 3,090 $73,196 $97,985

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FAQs about Waterford demographics 

What is the total population of Waterford?

Waterford has a total population of 9,204 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.3% compared to a year ago.

What is the gender ratio in Waterford?

The gender ratio in Waterford is as follows:
  • 51.4% males (4,732 residents)
  • 48.6% females (4,472 residents)

What is the median age in Waterford?

The median age in Waterford is 31.7.

What is the age distribution of the population in Waterford?

The age distribution in Waterford is as follows:
  • Under 15: 22.8% (2,098 residents)
  • Ages 15-24: 17% (1,563 residents)
  • Ages 25-44: 24.9% (2,290 residents)
  • Ages 45-64: 27.4% (2,518 residents)
  • Over 65: 8% (735 residents)

What is the racial and ethnic makeup of Waterford?

The racial and ethnic makeup of Waterford is as follows:
  • White: 52.7% (4,848 residents)
  • Black or African American: 0.6% (52 residents)
  • American Indian and Alaska Native: 0.4% (38 residents)
  • Asian: 3.8% (354 residents)
  • Native Hawaiian and Other Pacific Islander: 0.6% (54 residents)
  • Two or More Races: 33.8% (3,111 residents)
  • Other: 8.1% (747 residents)

What percentage of the population in Waterford are U.S.-born citizens?

U.S.-born citizens represent 74.4% of the population in Waterford.

How many housing units are there in Waterford?

There are 2,720 housing units in Waterford, reflecting a +3.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Waterford and what is the average household size?

Waterford has a total of 2,581 households, with an average of 4 people in each.

What is the median household income in Waterford?

Waterford has a median household income of $74,343, representing a +1.7% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Waterford?

The employment rate is 92.1% in Waterford, with a workforce of 4,020 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 56.2% (2,261 residents)
  • Blue-collar workers: 43.8% (1,759 residents)

Places of employment:
  • Self-employed: 7.4% (297 residents)
  • Private companies: 75% (3,016 residents)
  • Governmental workers: 16.3% (657 residents)
  • Not-for-profit companies: 1.2% (50 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025