Housing data for Waterford, ME
Waterford, ME has an estimated 1,295 residents and 1,003 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Oxford County.
11.8% of households rent.
The median gross rent is $870 a month.
Figures last updated on .
- Residents
- 1,295 (±186)
- Housing units
- 1,003 (±88)
- Households that rent
- 11.8%
- Median gross rent
- $870
- Residents since 2015–2019
- −14.7%
What stands out in Waterford
Households that rent: 11.8% (±5.0 points) in Waterford, lower than in Oxford County (19.4%).
Homes in buildings of 5 or more units: 1.0% (±2.8 points) in Waterford, lower than in Oxford County (5.7%).
Median home value: $273,800 (±$36,054) in Waterford, higher than in Oxford County ($217,300).
Average commute: 34.4 minutes (±4.3) in Waterford, higher than in Oxford County (28.9 minutes).
- Renters and owners in Waterford
- Types of homes in Waterford
- Home values in Waterford
- Commute and cars in Waterford
Housing in Waterford at a glance
- Median rent: $870 median gross rent a month (Small sample: wide margin of error)
- Rent burden: 36.6% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 11.8% of households rent
- Income and affordability: $66,071 median household income
- Home values: $273,800 median home value
- Homeowner costs: $1,446 median monthly cost with a mortgage
- Property taxes: $1,917 median real estate taxes a year
- Types of homes: 1.0% of homes are in buildings of 5 or more units
- Bedrooms: 58.5% of homes have 3 or more bedrooms
- Age of homes: 46.8% of homes were built before 1980
- Vacancy rate: 17.9% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 59.6% heat with fuel oil or kerosene
- Commute and cars: 34.4 minutes average trip to work
- Growth: −14.7% residents since 2015–2019
- How long people stay: 17.8% moved in since 2020
- Crowding and facilities: 0.0% of homes have more than 1 person per room (Small sample: wide margin of error)
Waterford against Oxford County, its state and the nation
| Waterford | Oxford County | Maine | United States | |
|---|---|---|---|---|
| Residents | 1,295 (±186) | 59,255 (exact) | 1,387,817 (exact) | 334,922,499 |
| Housing units | 1,003 (±88) | 36,855 (±48) | 751,876 (±671) | 143,775,355 |
| Households that rent | 11.8% (±5.0 points) | 19.4% (±1.8 points) | 25.7% (±0.4 points) | 34.8% |
| Median gross rent | $870 (±$405) | $836 (±$50) | $1,139 (±$13) | $1,413 |
| Median household income | $66,071 (±$16,508) | $60,173 (±$3,674) | $74,733 (±$795) | $80,734 |
| Median home value | $273,800 (±$36,054) | $217,300 (±$7,088) | $296,600 (±$2,876) | $332,700 |
| Median real estate taxes (a year) | $1,917 (±$174) | $2,162 (±$71) | $3,036 (±$26) | $3,119 |
| Built before 1980 | 46.8% (±7.9 points) | 53.2% (±2.3 points) | 54.5% (±0.6 points) | 49.7% |
| Average commute | 34.4 minutes (±4.3) | 28.9 minutes (±1.0) | 24.6 minutes (±0.3) | 26.4 minutes |
| Households with broadband | 89.2% (±3.8 points) | 87.5% (±1.5 points) | 90.3% (±0.3 points) | 91.0% |
| Median age of residents | 54.3 years (±1.6) | 48.2 years (±0.2) | 44.8 years (±0.1) | 38.9 years |
Waterford covers 50.3 square miles of land, about 26 residents per square mile (Census Bureau Gazetteer).
How Waterford has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 1,518 (±195) | 1,295 (±186) | −14.7% | Not a measurable change |
| Housing units | 1,130 (±91) | 1,003 (±88) | −11.2% | Measurable decrease |
| Median gross rent | $809 (±$128) | $870 (±$405) | +7.5% | No measurable change after inflation |
| Median home value | $164,200 (±$16,044) | $273,800 (±$36,054) | +66.7% | Up after inflation |
| Median household income | $54,018 (±$7,686) | $66,071 (±$16,508) | +22.3% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,223 (±$99) | $1,446 (±$113) | +18.2% | No measurable change after inflation |
| Median real estate taxes | $1,724 (±$195) | $1,917 (±$174) | +11.2% | No measurable change after inflation |
| Households that rent | 13.2% (±5.1 points) | 11.8% (±5.0 points) | −1.4 percentage points | Not a measurable change |
| Rental vacancy rate | 8.0% (±9.0 points) | 17.9% (±17.2 points) | +9.9 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Oxford County
Waterford has no police department of its own in the FBI’s figures, so this is the figure for Oxford County as a whole.
In 2025, the police departments that report for Oxford County recorded 71 violent and 951 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in Waterford
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 04088 | 100% | 1,269 | $870 | $276,800 | $63,750 |
| 04267 | 100% | 26 | — | — | — |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Waterford
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Norway | 5.8 mi | $770 | $215,800 | 29.5% |
| Sweden | 6.9 mi | $1,667 | $311,300 | 7.8% |
| Harrison | 7.7 mi | $885 | $249,300 | 9.9% |
| Norway (community) | 8.1 mi | $759 | $162,000 | 40.1% |
| Lovell | 8.1 mi | $1,419 | $295,000 | 11.1% |
| Stoneham | 8.7 mi | $1,125 | $226,200 | 10.2% |
| Bridgton (community) | 8.7 mi | $781 | $263,800 | 18.6% |
| Greenwood | 10 mi | $1,263 | $228,700 | 31.1% |
Places in Maine most like Waterford
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Fayette | $983 | $257,600 | $59,500 | 11.3% |
| Mount Vernon | $893 | $264,200 | $74,395 | 10.2% |
| Whitefield | $895 | $242,300 | $73,875 | 8.5% |
| Surry | $969 | $296,300 | $74,508 | 11.4% |
| Harrison | $885 | $249,300 | $56,938 | 9.9% |
| Thorndike | $836 | $205,600 | $78,438 | 12.8% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Maine.
HUD Fair Market Rent for Waterford, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $852 | $949 | $1,224 | $1,695 | $2,046 |
HUD income limits for Waterford, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $19,300 | $32,200 | $51,450 |
| 2 people | $22,050 | $36,800 | $58,800 |
| 3 people | $27,320 | $41,400 | $66,150 |
| 4 people | $33,000 | $45,950 | $73,500 |
| 5 people | $38,680 | $49,650 | $79,400 |
| 6 people | $44,360 | $53,350 | $85,300 |
| 7 people | $50,040 | $57,000 | $91,150 |
| 8 people | $55,720 | $60,700 | $97,050 |
These are the limits HUD sets for its housing programs in the Oxford County, ME, where HUD’s median family income for fiscal year 2026 is $81,000.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Waterford
How many renters are there in Waterford?
Waterford has an estimated 69 (±32) renting households, 11.8% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Waterford?
The median household income in Waterford is $66,071 (±$16,508) a year (2020–2024 American Community Survey).
What is the average home value in Waterford, ME?
The Census Bureau publishes the median: $273,800 (±$36,054) for owner-occupied homes in Waterford (2020–2024 American Community Survey).
What is the average mortgage payment in Waterford?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Waterford, ME is $1,446 (±$113) a month, including taxes, insurance and utilities.
How much are property taxes in Waterford?
The median real estate tax paid by homeowners in Waterford, ME is $1,917 (±$174) a year (2020–2024 American Community Survey).
How many homes are in Waterford?
Waterford, ME has an estimated 1,003 (±88) housing units, occupied and vacant (2020–2024 American Community Survey).
Is Waterford growing?
In Waterford, the number of residents went from 1,518 in 2015–2019 to 1,295 in 2020–2024 (−14.7%), not a measurable change.
What ZIP codes are in Waterford?
The ZIP codes that cover Waterford are 04088, 04267.
What is the median rent in ZIP code 04088?
The median gross rent in ZIP Code Tabulation Area 04088 is $870 (±$405) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Waterford town, Oxford County, Maine
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Waterford town, Oxford County, Maine
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Waterford town, Oxford County, Maine
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Waterford town, Oxford County, Maine
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Waterford town, Oxford County, Maine
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Waterford town, Oxford County, Maine
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Waterford town, Oxford County, Maine
- HUD Fair Market Rents, fiscal year 2027: Oxford County, ME
- HUD Income Limits, fiscal year 2026: Oxford County, ME
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Waterford town, Oxford County, Maine (county subdivision:80635, in state:23 county:017).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .