Waterford is a town in Saratoga County, New York, home to about 8,163 people across 6.6 square miles. Its ZIP code is 12188.
Homes sold for a median of $228 per square foot in the three months ending August 2026, a seller’s market.
Mostly Waterford; also Halfmoon
Each card is that ZIP code’s whole market, including any part outside Waterford. Seller’s market: under 4 months of supply; buyer’s market: over 6. Methodology
We’re writing up Waterford’s story and what everyday life there is like, for people thinking about moving in.
Are you a local agent who knows Waterford well? Agents who advertise here will be able to write the guide. Advertise on OfferBacked
| Nearest major airport | Albany International Airport (ALB)7 miles away |
|---|---|
| Nearest city of 250,000+ | Boston, MA141 miles away |
| Nearest city of 1 million+ | New York, NY149 miles away |
Straight-line distances from the center of Waterford; driving is longer.
Source: Airports from OurAirports (scheduled passenger service); city centers and populations from the U.S. Census Bureau.
Source: Members of Congress from the congress-legislators project; districts from the Census Bureau’s relationship files; governor and mayor from Wikidata.
Waterford had 8,208 residents in the 2020 census, down 4% since 2000.
It’s the 245th largest of 1,007 towns in New York by population.
Saratoga County grew from 61,089 residents in 1900 to 235,509 in 2020.
Saratoga County, 1900–2020
Source: U.S. Census Bureau decennial censuses (counties 1900–1990 from the Bureau’s historical county file).
Average highs peak around 86°F in summer, and winter lows average 17°F. About 42 inches of rain and melted snow fall in a typical year.
Source: NOAA 1991–2020 climate normals, Troy L&D, NY weather station (4 miles away).
78,232 jobs at 5,488 businesses in Saratoga County. The biggest industries by employees:
Source: U.S. Census Bureau County Business Patterns 2023 (private employers; jobs counted where people work).
28 doctors and other health care providers list an office in Waterford.
Nearest hospitals
Providers with an office here
| Primary care doctors | 3 |
|---|---|
| Specialist doctors | 4 |
| Dentists | 1 |
| Nurse practitioners and physician assistants | 6 |
| Mental health providers | 6 |
| Physical and occupational therapists | 6 |
| Chiropractors | 2 |
Source: Hospitals from CMS Hospital General Information (ratings are CMS overall star ratings); straight-line distances; providers from the CMS National Plan and Provider Enumeration System (NPPES), by practice address and primary specialty.
Parks (13 nearby)
Grocery stores
Pharmacies
Libraries (1 nearby)
Museums
Theaters and performance venues
Counts are within about 2 miles of the center of town.
Source: Map data © OpenStreetMap contributors (openstreetmap.org/copyright), as mapped by volunteers; it can miss places or include closed ones.
Notable people born here
Source: Wikidata (wikidata.org), the free knowledge base; people are listed by place of birth.
Public schools here are run by Waterford-Halfmoon Union Free School District. Check each district’s attendance zones for a specific address.
| School | Grades | Students | Type | Distance |
|---|---|---|---|---|
| Waterford-Halfmoon Elementary SchoolWaterford | Pre-K–6 | 388 | Public | 0.8 mi |
| Waterford-Halfmoon Junior-Senior High SchoolWaterford | 7–12 | 330 | Public | 0.8 mi |
| School | Grades | Students | Affiliation | Distance |
|---|---|---|---|---|
| St Mary's SchoolWaterford | Pre-K–8 | 164 | Roman Catholic | 1.6 mi |
Source: U.S. Department of Education, NCES: Common Core of Data (2024-2025) for public schools; Private School Universe Survey (2023-2024) for private schools. Listed by address; we don’t rate schools.
Buying or selling around Waterford? Tell us what you need and when. No agents advertise here yet, so we’ll keep your request for up to 30 days and send it to local agents who join. No obligation, and you choose who to work with.
Loading map…
Shares ZIP codes with Halfmoon.
Town boundaries don’t always match ZIP codes: a ZIP code can cross into neighboring towns, and a town can share a ZIP code with its neighbors. Facts describe the town itself; market figures describe whole ZIP codes.