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  4. /Waterford, PA - 16441

Waterford, PA—16441

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$320,000
7.3% YoY Growth
Household Income
$78,400
16.3% YoY Growth
Days on Market
46
52.0% Shorter YoY
Home Price Forecast
3.4%
Median Rent
$1,440
9.7% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
$1,440
21.7% YoY Growth
3-Bed Rent
N/A
N/A
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Waterford, PA

As of May '26, the median home price in Waterford, PA is $320,000, with a year-over-year change of 7.3%. This indicates that home prices in Waterford, PA are increasing. According to Zillow, the 1-year price projection is 3.4%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$320,0007.3%
Single Family $316,0007.5%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

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  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$248,0006.9%
    3 Bed
    		$318,0008.2%
    4 Bed
    		$409,0007.9%
    5 Bed $412,4608.0%
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    % of Housing Stock

    Studio
    0.7%
    1 Bedroom
    4.9%
    2 Bedrooms
    19.3%
    3 Bedrooms
    49.7%
    4 Bedrooms
    18.4%
    5+ Bedrooms
    6.9%

    Rental Trends — Waterford, PA

    As of July '25, Rentcast reports the average rent in Waterford, PA is $1,400, with a year-over-year rent change of -9.7%. Per bedroom, the median rent as of July '25 in Waterford, PA is 2-bedrooms: $1,400. The most common rental property sizes in Waterford, PA are 2-bedroom and 3-bedroom, accounting for 43.8% and 24.3% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,440$1,400
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent $1,440$1,400
    3 Bed Rent N/AN/A
    4 Bed Rent N/AN/A
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    % of Rental Stock

    Studio
    4.3%
    1 Bedroom
    17.7%
    2 Bedrooms
    43.8%
    3 Bedrooms
    24.3%
    4 Bedrooms
    2.5%
    5+ Bedrooms
    7.4%

    Property Listings — Waterford, PA

    As of May '26, Realtor.com reports that the median days on market for a home in Waterford, PA is 46. This is a decrease of -52.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$250,000-6.0%
    Listing Count
    		1558.0%
    Listings as % of Homes0.2%58.0%
    Days on Market
    		46-52.0%
    Loading chart...

    Demographics — Waterford, PA

    As of the latest ACS Survey released in 2023, Waterford, PA has a population of 9,480, which has decreased by -7.2% over the past 5 years. Waterford, PA is a moderately popular place for families, as children make up 22.4% of the population. The area has a poorly educated workforce, with 23.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.7% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		9,480-7.2%
    % Under 18
    		22.4%-0.4%
    % Seniors
    		20.6%28.0%
    % WFH
    		7.7%48.1%
    % w/ College Degree
    		23.4%0.9%
    Loading chart...

    As of the latest ACS Survey released in 2023, Waterford, PA is a predominantly white area, with 96.0% of the population identifying as white. The white population has shrunk by 0.6% in the last 5 years. The second most common race or ethnicity in Waterford, PA is hispanic, making up 2.7% of the population. Foreign-born residents account for 0.6% of the population in Waterford, PA, and this percentage has decreased by 57.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		96.0%-0.6%
    % Black
    		0.3%200.0%
    % Hispanic
    		2.7%92.9%
    % Asian
    		0.1%0.0%
    % Foreign Born
    		0.6%-57.1%
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    Mortgage and Risk — Waterford, PA

    According to HUD data as of 2023, there were 125 mortgage originations in Waterford, PA, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 19.0% above 90% LTV (elevated). This implies medium mortgage risk in Waterford, PA. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		125
    % Conventional Loans
    		88.0%
    % Government Loans
    		12.0%
    % Investor Loans
    		1.0%
    % Second Loans
    		0.0%
    % Cash Out Refinance
    		12.0%
    Loading chart...
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    Rentals and Section 8 — Waterford, PA

    Waterford, PA lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		43
    Total Units Section 8
    		21
    % Rentals under Section 8
    		3.2%
    % Occupied Section 8
    		89.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$960
    2 Bedroom-$190$1,440$1,250
    3 BedroomN/AN/A$1,550
    4 BedroomN/AN/A$1,690

    Affordability — Waterford, PA

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.4
    Median Home Price$320,000
    Median Household Income$78,400

    Waterford, PA — ZIP Code Boundary Map

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    Frequently Asked Questions