Waterford, NY housing market
The median sale price was $355,000 in May 2026.
Home values, sales, trends and how Waterford compares with the towns next door — updated as new data is published.
Waterford at a glance
Only 4 sales in May 2026: in a market this size, monthly medians swing a lot, so the typical value above is the steadier guide.
Home prices up 36% in 5 years
The federal house price index for the ZIP code around Waterford rose 36% over the past 5 years, slower than across New York (52%). Last year prices fell 2.8%. Carrying the Census median home value forward with that index puts the typical Waterford home at roughly $187,000 today.
Show as a table
| Year | Change that year | Since 2000 | New York since 2000 |
|---|---|---|---|
| 2025 | −2.8% | +166% | +189% |
| 2024 | +4.9% | +173% | +173% |
| 2023 | +17% | +161% | +154% |
| 2022 | +8% | +123% | +135% |
| 2021 | +6.2% | +107% | +108% |
| 2020 | +2.3% | +95% | +90% |
| 2019 | +4.2% | +90% | +84% |
| 2018 | +5% | +83% | +78% |
| 2017 | −1.1% | +74% | +68% |
| 2016 | +0.1% | +76% | +61% |
| 2015 | +0.2% | +76% | +56% |
| 2014 | +5.3% | +76% | +52% |
| 2013 | −1.8% | +67% | +48% |
| 2012 | −2.5% | +70% | +47% |
| 2011 | +0.9% | +74% | +51% |
| 2010 | +0.5% | +73% | +54% |
| 2009 | −2.5% | +72% | +59% |
| 2008 | −0.1% | +76% | +69% |
| 2007 | +1.4% | +76% | +73% |
| 2006 | +14% | +74% | +73% |
| 2005 | +10% | +53% | +62% |
| 2004 | +17% | +39% | +43% |
| 2003 | +10% | +19% | +28% |
| 2002 | +3% | +8.2% | +18% |
| 2001 | +5.1% | +5.1% | +8.3% |
| 2000 | — | — | — |
How Waterford ranks on rising home prices →
Federal Housing Finance Agency House Price Index (annual, developmental) for ZIP code 12188, weighted by land area. It tracks repeat sales and appraisals of the same homes, so it shows how prices changed, not what homes cost. The estimated value scales the Census (ACS 2020-2024) median home value by that change.
No new homes permitted in 2025
No permits for new homes were issued in Waterford in 2025. The last year with any was 2024 (2 new homes).
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, Waterford gained 48 residents while 227 new homes were permitted: about 0.2 new residents per new home. Building outpaced population growth, which usually means smaller households or homes used part of the year. Across New York: 2.2 new residents per new home.
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
Show as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 2 | 0 | 2 | $300,000 |
| 2025 | 0 | 0 | 0 | — |
| 2024 | 2 | 0 | 2 | $300,000 |
| 2023 | 1 | 1 | 0 | $1.4 million |
| 2022 | 4 | 0 | 4 | $600,000 |
| 2021 | 0 | 0 | 0 | — |
| 2020 | 8 | 0 | 8 | $1.2 million |
| 2019 | 10 | 2 | 8 | $2 million |
| 2018 | 4 | 0 | 4 | $620,000 |
| 2017 | 53 | 1 | 52 | $5.6 million |
| 2016 | 28 | 22 | 6 | $4.5 million |
| 2015 | 87 | 21 | 66 | $9.6 million |
| 2014 | 41 | 5 | 36 | $4.9 million |
| 2013 | 0 | 0 | 0 | — |
| 2012 | 4 | 2 | 2 | $392,000 |
| 2011 | 0 | 0 | 0 | — |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 0 | 0 | 0 | — |
| 2008 | 0 | 0 | 0 | — |
| 2007 | 0 | 0 | 0 | — |
| 2006 | 0 | 0 | 0 | — |
| 2005 | 2 | 2 | 0 | $156,000 |
| 2004 | 2 | 2 | 0 | $156,000 |
| 2003 | 1 | 1 | 0 | $150,000 |
| 2002 | 0 | 0 | 0 | — |
| 2001 | 0 | 0 | 0 | — |
| 2000 | 0 | 0 | 0 | — |
How Waterford ranks on new homes being built →
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
Waterford and its neighbors
| Town | Typical value | 1-yr change | 2-bed rent | New homes 2025 | Median income |
|---|---|---|---|---|---|
| Waterford | — | −2.8%† | $1,630 | 0 | $72,938 |
| Waterford | — | −2.8%† | $1,630 | 1 | $87,089 |
| Troy | $301K | +5% | $1,620 | 157 | $58,477 |
† FHFA price index change, where Zillow has no home value for the town.
2.2 years of income
The typical Waterford home costs about 2.2 years of the town's median household income, less than across New York (6.1 years).
How Waterford ranks on affordability →
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,630
HUD's Fair Market Rent for a two-bedroom in Waterford is $1,630 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Waterford pay a median of $1,082, so moving in tends to cost more than staying put. A two-bedroom takes about 27% of the town's median household income.
Studio $1,170 · 4 bedrooms $2,160
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (12188; Albany-Schenectady-Troy, NY MSA), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.