Waterford, VT demographics:
population, income, and more

Total population
3,876
-2.3% year-over-year change
Median household income
$62,411/yr
4.3% year-over-year change
Housing units
1,854
0.1% year-over-year change

Waterford population

How many people live in Waterford

Waterford is home to 3,876 residents, according to the most recent Census data. Gender-wise, 52% of Waterford locals are male, and 48% are female.

Total population
3,876
-2.3% year-over-year change
Gender ratio
Male
52%
2,014
Female
48%
1,862
Value Percent YoY change
Male 2,014 52% -2.8%
Female 1,862 48% -1.9%
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 43, with the population distributed as follows: about 16.2% are children under 15, then 13.8% are in the 15 to 24 age group. Adults between 25 and 44 make up 21.6% of the population, while another 27.3% fall into the 45 to 64 bracket. Finally, around 21.1% are 65 or older.

Median age
43.1
Age breakdown
Under 15
16.2%
15 to 24
13.8%
25 to 44
21.6%
45 to 64
27.3%
Over 65
21.1%
Value Percent YoY change
Under 15 628 16.2% -7.0%
15 to 24 534 13.8% 13.9%
25 to 44 838 21.6% -3.7%
45 to 64 1,059 27.3% -5.5%
Over 65 818 21.1% -1.8%
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, 97.2% of the population are US-born citizens, while 2.3% have gained naturalized citizenship. At the same time, 0.5% of residents are non-citizens. As for race, 91.1% of locals are Caucasian, 0.8% are African American and 0.6% have Asian roots. There’s also a share of 5.9% that includes residents with two or more races.

Citizenship
U.S.-born citizens
97.2%
Non-U.S.-born citizens
2.3%
Non-citizens
0.5%
Value Percent YoY change
U.S.-born citizens 3,765 97.2% -2.3%
Non-U.S.-born citizens 90 2.3% 0.0%
Non-citizens 20 0.5% -20.0%
Racial breakdown
White
91.1%
Black or African American
0.8%
American Indian and Alaska Native
0.3%
Asian
0.6%
Native Hawaiian and other Pacific Islander
0%
Two or more races
5.9%
Other
1.3%
Value Percent
White 3,532 91.1%
Black or African American 31 0.8%
American Indian and Alaska Native 10 0.3%
Asian 25 0.6%
Two or more races 227 5.9%
Other 51 1.3%

Households in Waterford

A peek inside Waterford households

Waterford has 1,692 households, with an average of 2 members in each. Of these, 54% are families, while the remaining 46% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,692
0.0% year-over-year change
Average people per household
2
Non-family households
779
Family households
913
Value Percent YoY change
Non-family households 779 46% 4.3%
Family households 913 54% -3.5%
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 1,854 units, with 60% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 0.9% 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 4.4% of the housing landscape.

Housing units
1,854
0.1% year-over-year change
Housing types
Value Percent
1 unit, detached 1,113 60%
1 unit, attached 16 0.9%
2 units 173 9.3%
3 or 4 units 274 14.8%
5 to 9 units 105 5.7%
10 to 19 units 37 2%
20 to 49 units 47 2.5%
50 or more units 7 0.4%
Mobile home 82 4.4%
Homes built since 2020
7
-12.5% year-over-year change

The age of buildings in Waterford

In Waterford, the median construction year is 1950. About 41.8% of homes were built before the 1940s, with another 8.5% going up by 1949. Most development happened in the second half of the 20th century. Then, 5.1% of homes were added from 2000 to 2009, 2.9% between 2010 and 2019, and 0.4% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 774 41.8% -0.5%
Built between 1940 and 1949 158 8.5% -19.0%
Built between 1950 and 1959 96 5.2% 62.7%
Built between 1960 and 1969 170 9.2% 0.6%
Built between 1970 and 1979 254 13.7% -6.6%
Built between 1980 and 1989 148 8% -0.7%
Built between 1990 and 1999 98 5.3% 4.3%
Built between 2000 and 2009 94 5.1% 28.8%
Built between 2010 and 2019 54 2.9% -5.3%
Built in 2020 or later 7 0.4% -12.5%
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 1,692 occupied housing units in Waterford, 65.6% are owner-occupied, while 34.3% are lived in by tenants. Meanwhile, 8.7% of all homes on the local market sit vacant.

Occupied housing units
1,692
0.0% year-over-year change
Occupancy breakdown
Renter occupied
581
Owner occupied
1,110
Value Percent YoY
change
Renter occupied 581 34.3% -1.9%
Owner occupied 1,110 65.6% 0.9%
Unoccupied housing units
8.7%
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 $990 per month, while tenants specifically pay a median gross rent of $919.

Median housing costs per month
$990/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
$919/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 42.2% of the population in Waterford went to high school, while 20% pursued college studies. Another 7.3% earned an associate degree and 17.4% hold a bachelor’s. Meanwhile, 11.3% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 52 1.7% 26.8%
High school diploma 1,300 42.2% -0.1%
College diploma 615 20% -4.3%
Associate degree 224 7.3% -1.3%
Bachelor's degree 537 17.4% 4.1%
Graduate degree 349 11.3% -10.7%
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 $83,998 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 $62,411, reflecting a +4.3% shift over the same period.

Average household income in Waterford
$83,998/year
3.2% year-over-year change
Median household income in Waterford
$62,411/year
4.3% 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 $84,375. Those with someone between 45 and 64 in charge, often well established professionally, earn $82,039 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $25,661, while those led by someone over 65, many of whom may be retired, have about $50,368 in earnings. Overall, 86.1% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $25,661 16.9%
25 - 44 $84,375 17.9%
45 - 64 $82,039 3.6%
Over 65 $50,368 4.4%
Above poverty level
3,208
Below poverty level
516
Value Percent YoY
change
Above poverty level 3,208 86.1% -2.3%
Below poverty level 516 13.9% -8.0%

Employment in Waterford

Workforce and job types in Waterford

74.2% of the working population are employed in professional or administrative positions, while 25.8% are in hands-on or service-based jobs. Also, 12% run their own businesses, 56.3% are employed by private companies, and 12.7% work in the public sector.

Workforce demographics

White collar
1,516
Blue collar
527
Value Percent YoY change
White collar 1,516 74.2% -2.4%
Blue collar 527 25.8% 11.7%
Employer type
Self employees
12%
Private companies
56.3%
Governmental workers
12.7%
Not for profit companies
19%
Value Percent YoY change
Self employees 246 12% 9.8%
Private companies 1,150 56.3% 1.5%
Governmental workers 259 12.7% -11.6%
Not for profit companies 389 19% 4.0%

Transportation in Waterford

How people get around in Waterford

In Waterford, the average commute time is 9 minutes. Commuting methods vary: 96.1% of residents travel by personal vehicle and 3.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
9 min
Means of transportation
Value Percent YoY change
Car 1,563 96.1% -0.8%
Motorcycle 2 0.1% 0.0%
Walk 61 3.8% -12.9%
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
05819 9,106 3,975 $62,411 $84,029

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FAQs about Waterford demographics 

What is the total population of Waterford?

Waterford has a total population of 3,876 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 -2.3% compared to a year ago.

What is the gender ratio in Waterford?

The gender ratio in Waterford is as follows:
  • 52% males (2,014 residents)
  • 48% females (1,862 residents)

What is the median age in Waterford?

The median age in Waterford is 43.1.

What is the age distribution of the population in Waterford?

The age distribution in Waterford is as follows:
  • Under 15: 16.2% (628 residents)
  • Ages 15-24: 13.8% (534 residents)
  • Ages 25-44: 21.6% (838 residents)
  • Ages 45-64: 27.3% (1,059 residents)
  • Over 65: 21.1% (818 residents)

What is the racial and ethnic makeup of Waterford?

The racial and ethnic makeup of Waterford is as follows:
  • White: 91.1% (3,532 residents)
  • Black or African American: 0.8% (31 residents)
  • American Indian and Alaska Native: 0.3% (10 residents)
  • Asian: 0.6% (25 residents)
  • Native Hawaiian and Other Pacific Islander: 0% ( residents)
  • Two or More Races: 5.9% (227 residents)
  • Other: 1.3% (51 residents)

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

U.S.-born citizens represent 97.2% of the population in Waterford.

How many housing units are there in Waterford?

There are 1,854 housing units in Waterford, reflecting a +0.1% 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 1,692 households, with an average of 2 people in each.

What is the median household income in Waterford?

Waterford has a median household income of $62,411, representing a +4.3% shift from the previous year, according to the U.S. Census Bureau.

What is the job market overview for Waterford?

Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 74.2% (1,516 residents)
  • Blue-collar workers: 25.8% (527 residents)

Places of employment:
  • Self-employed: 12% (246 residents)
  • Private companies: 56.3% (1,150 residents)
  • Governmental workers: 12.7% (259 residents)
  • Not-for-profit companies: 19% (389 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