House Prices

House Prices & Home Values Waterford, NY 2026


Average Data

average house price$233,152
average size per house1989 ft²
average price per ft²118 $ / ft²

04/05/2026 - The value range (VR) for house prices in Waterford, NY is $129/ sqft to $129/ sqft. An average home with 1989 sqft costs approximately $256,581 to $256,581. Waterford, NY includes 1 ZIP codes and it is located in Saratoga county. The lowest prices are found in ZIP 12188, while the highest are in ZIP 12188. The average price per sqare feet is $118. Our analysis is based on 84 property listings.

Avergage prices by ZIP codes Waterford

12188134 $ / ft²


House prices by neighborhoods in Waterford

Northside126 $ / ft²
Village of Waterford131 $ / ft²
Waterford Harbor137 $ / ft²




Historical development of home values in Waterford

Year Estimated value (USD) Change vs. 2025
2010 $108,280 -53.6%
2011 $104,093 -55.4%
2012 $103,813 -55.5%
2013 $107,693 -53.8%
2014 $113,048 -51.5%
2015 $118,850 -49.0%
2016 $125,052 -46.4%
2017 $131,802 -43.5%
2018 $139,088 -40.3%
2019 $145,538 -37.6%
2020 $153,061 -34.4%
2021 $174,091 -25.3%
2022 $202,951 -13.0%
2023 $214,021 -8.2%
2024 $226,402 -2.9%
2025 $233,152 0.0%

Graph: estimated home values in Waterford over time (USD)



Example: 100% financing house in Waterford

Loan amount: $233,152

Interest rate: 6.00%

Fixed monthly payment: $1,397.86

Breakdown in the 1st month:
Interest portion: $1,165.76  –  Principal portion: $232.10

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $13,911.23 $2,863.13 $230,288.87
2 $13,734.64 $3,039.73 $227,249.14
3 $13,547.16 $3,227.21 $224,021.93
4 $13,348.11 $3,426.26 $220,595.67
5 $13,136.79 $3,637.58 $216,958.09
6 $12,912.43 $3,861.94 $213,096.16
7 $12,674.23 $4,100.13 $208,996.02
8 $12,421.35 $4,353.02 $204,643.00
9 $12,152.86 $4,621.51 $200,021.49
10 $11,867.82 $4,906.55 $195,114.94
11 $11,565.19 $5,209.18 $189,905.77
12 $11,243.90 $5,530.47 $184,375.30
13 $10,902.79 $5,871.57 $178,503.72
14 $10,540.65 $6,233.72 $172,270.00
15 $10,156.17 $6,618.20 $165,651.80
16 $9,747.97 $7,026.40 $158,625.40
17 $9,314.60 $7,459.77 $151,165.63
18 $8,854.49 $7,919.87 $143,245.76
19 $8,366.01 $8,408.35 $134,837.40
20 $7,847.41 $8,926.96 $125,910.44
21 $7,296.81 $9,477.56 $116,432.88
22 $6,712.25 $10,062.11 $106,370.77
23 $6,091.65 $10,682.72 $95,688.05
24 $5,432.76 $11,341.61 $84,346.44
25 $4,733.23 $12,041.14 $72,305.30
26 $3,990.56 $12,783.81 $59,521.50
27 $3,202.08 $13,572.28 $45,949.21
28 $2,364.98 $14,409.39 $31,539.82
29 $1,476.24 $15,298.13 $16,241.69
30 $532.68 $16,241.69 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Waterford, NY


1500 sqft3900 sqft
Ø selling price$214,171$455,599
Ø fast selling$194,701$410,039
Ø high price sale$233,641$501,158

In 2026, houses in Waterford, NY will be offered at an average price of $118 per square foot. A 1,500 sqft home priced at $214,171 is 23.87% more expensive per square foot than a 3,900 sqft home priced at $455,599. Home prices in Waterford, NY vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $315,414. Sellers who can wait longer may achieve a higher price of up to $385,507.

FAQ – Home Values in Waterford

What is the median home value in Waterford in 2026?

In 2026, the typical home value in Waterford is about $233,152 for an average home size of 1989 square feet. This corresponds to an average price of roughly $118 per square foot.

What is the average cost per square foot in Waterford?

In 2026, homes in Waterford sell for an average of around $118 per square foot, with a typical range between $129 and $129 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Waterford is about 1989 square feet, with an estimated 2026 value around $233,152.



Locations close to Waterford, NY

Watervliet, NY67 $ / ft²
Wells, NY206 $ / ft²
West Coxsackie, NY226 $ / ft²
Warnerville, NY87 $ / ft²
Voorheesville, NY235 $ / ft²
Valley Falls, NY180 $ / ft²
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