What stands out worked out from the figures below

Waterford has grown the fastest since 2010 (+2.4%).

Seneca has the most homeowners (91.6%).

What matters to you?

Pick a few. We’ll pull those rows to the top and mark which town comes out ahead on each. There’s no overall score: what matters is up to you.

Raising kidsAffordabilityOwning a homeShort commuteWorking from homeYounger crowdSettled, older crowdGrowing town

Measure	Waterford	Seneca
People
Population	2,085Lowest	2,622Highest
Growth since 20102010 → 2020 census	+2.4%Highest NY: +4.2%	-2.8%Lowest NY: +4.2%
Median age	42.4±5.7Lowest 7% above NY	44.5±6.2Highest 12% above NY
	Seneca and Waterford are within the Census margin of error here, so we can’t say which is really higher.
Kids under 18	16.8%±4.5Lowest NY: 20.5%	19.5%±3.9Highest NY: 20.5%
	Seneca and Waterford are within the Census margin of error here, so we can’t say which is really higher.
Age 65+	25.7%±5.5Highest NY: 17.9%	22.3%±4.5Lowest NY: 17.9%
	Waterford and Seneca are within the Census margin of error here, so we can’t say which is really higher.
Bachelor’s degree+adults 25+	22.5%Highest NY: 40.2%	22.1%Lowest NY: 40.2%
Enrolled in collegeshare of residents	4.3%±2.9Highest NY: 7%	2.2%±1.4Lowest NY: 7%
	Waterford and Seneca are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian	$72,938±$12kLowest 15% below NY	$90,658±$21kHighest 5% above NY
	Seneca and Waterford are within the Census margin of error here, so we can’t say which is really higher.
Home valuemedian, owner-occupied	$157,500±$30kLowest 63% below NY	$192,700±$9kHighest 55% below NY
	Seneca and Waterford are within the Census margin of error here, so we can’t say which is really higher.
Rentmedian gross, monthly	$1,082±$91Lowest 33% below NY	$1,549±$420Highest 4% below NY
	Seneca and Waterford are within the Census margin of error here, so we can’t say which is really higher.
Property taxmedian, yearly	$3,534Highest 46% below NY	$2,810Lowest 57% below NY
Renters paying 30%+of income on rent	26.5%±11.3Highest NY: 52.1%	7.2%±24.9Lowest NY: 52.1%
	Waterford and Seneca are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line	10.6%Highest NY: 14%	6.2%Lowest NY: 14%
Housing
Homeownersof occupied homes	53.8%Lowest NY: 54.3%	91.6%Highest NY: 54.3%
Typical home builtmedian year	1938Lowest 21 yrs older than NY	1945Highest 14 yrs older than NY
Getting to work
Average commuteone way	23 minLowest 29% below NY	27 minHighest 17% below NY
Work from home	14%±8.6Highest NY: 14.9%	10.9%±3.6Lowest NY: 14.9%
	Waterford and Seneca are within the Census margin of error here, so we can’t say which is really higher.
Schools
Public school scoresrank in state, math + reading	#286 of 484 in NY	—
On TownTapestry
Old photos in History	None yet	None yet

NY average · Sources: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024; 2010 & 2020 decennial census; NCES Common Core of Data. “±” is the Census margin of error. Property tax is top-coded by the Census at $10,000+. School rank compares math and reading proficiency against the state average.