Waterville, NY—13480
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Waterville, NY
As of Oct '25, the median home price in Waterville, NY is $217,000, with a year-over-year change of 7.2%. This indicates that home prices in Waterville, NY are increasing. According to Zillow, the 1-year price projection is 3.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $217,000 | 7.2% |
| Single Family | $217,000 | 8.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $181,000 | 8.4% |
3 Bed | $219,000 | 7.9% |
4 Bed | $241,000 | 7.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Waterville, NY
Waterville, NY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Waterville, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Waterville, NY is 66. This is a increase of 72.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $280,000 | -8.0% |
Listing Count | 9 | 22.0% |
| Listings as % of Homes | 0.5% | 22.0% |
Days on Market | 66 | 72.0% |
Demographics — Waterville, NY
As of the latest ACS Survey released in 2023, Waterville, NY has a population of 3,450, which has increased by 1.6% over the past 5 years. Waterville, NY is a popular place for families, as children make up 26.8% of the population. The area has a poorly educated workforce, with 21.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,450 | 1.6% |
% Under 18 | 26.8% | 36.0% |
% Seniors | 16.6% | -20.6% |
% WFH | 14.1% | 143.1% |
% w/ College Degree | 21.9% | -11.7% |
As of the latest ACS Survey released in 2023, Waterville, NY is a predominantly white area, with 93.2% of the population identifying as white. The white population has shrunk by 4.6% in the last 5 years. The second most common race or ethnicity in Waterville, NY is hispanic, making up 1.8% of the population. Foreign-born residents account for 2.0% of the population in Waterville, NY, and this percentage has increased by 122.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 93.2% | -4.6% |
% Black | 0.1% | -83.3% |
% Hispanic | 1.8% | 20.0% |
% Asian | 0.7% | 133.3% |
% Foreign Born | 2.0% | 122.2% |
Mortgage and Risk — Waterville, NY
According to HUD data as of 2023, there were 33 mortgage originations in Waterville, NY, of which 85.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Waterville, NY. Investor activity is low, as 0.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 33 |
% Conventional Loans | 85.0% |
% Government Loans | 15.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Waterville, NY
Waterville, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 68 |
Total Units Section 8 | 68 |
% Rentals under Section 8 | 18.2% |
% Occupied Section 8 | 99.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $880 |
| 2 Bedroom | N/A | N/A | $1,100 |
| 3 Bedroom | N/A | N/A | $1,330 |
| 4 Bedroom | N/A | N/A | $1,570 |
Affordability — Waterville, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $217,000 |
| Median Household Income | $78,100 |