Waterford is a small town of 1,244 in Pennsylvania, with a median household income of $48,393
and a 9.2% unemployment rate.
Its cost of living index is 92 (US average = 100), which is
8% below the national average.
Strengths:
Waterford stands out for an affordable cost of living, below-average home prices, solid school ratings (B).
Trade-offs:
Potential downsides include longer commutes, an elevated unemployment rate. Whether Waterford is right for you depends on your priorities — the full breakdown is below.
All Waterford city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 91.5
Waterford's overall cost of living index is 91.5,
where 100 represents the US national average.
Living in Waterford costs roughly 8% less than the average American city.
Metric
Waterford, PA
National Avg
Median Home Value
$152,200
$244,900
Median Monthly Rent
$948
$1,163
Homeownership Rate
48.7%
65.9%
Median Household Income
$48,393
$74,755
Crime & Safety
Very Safe
Waterford's violent crime rate is 140.5 per 100,000 residents
— 63% lower than the national average of ~380 per 100,000.
Violent Crime
140.5 /100k
Property Crime
746.7 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Waterford is served primarily by Fort LeBoeuf SD.
The student-to-teacher ratio is 12.5:1
(better than the national average of ~16:1).
Metric
Waterford, PA
National Avg
School District
Fort LeBoeuf SD
—
Elementary Schools
3
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
12.5:1
16:1
Bachelor's Degree or Higher
20.5%
35.4%
High School Diploma or Higher
88.8%
91.1%
Weather & Climate
Waterford sees average highs of 32.3°F in January
and 80.0°F in July,
with 49.0 inches of annual precipitation
and 114.2 inches of snow per year.
Waterford's cost of living index is 92, where 100 is the national average.
That makes Waterford roughly 8% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $152,200 and median rent is $948/month.
Waterford's violent crime rate is 140.5 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 746.7 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Waterford are operated by Fort LeBoeuf SD.
The district has 3 elementary, 1 middle, and 1 high schools.
The student-to-teacher ratio is 12.5:1. 20.5% of adults 25+ hold a bachelor's degree or higher.
Waterford, PA has a population of 1,244, a median household income of $48,393, and an unemployment rate of 9.2%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Waterford averages 32.3°F in January and 80.0°F in July. Annual rainfall is 49.0 inches
with about 114.2 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Waterford, PA is covered by 1 ZIP code: 16441.
The population of Waterford, Pennsylvania is 1,244 with a median age of 48.3. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Waterford: cost of living index 92 (100 = US average), median home $152,200, median household income $48,393, crime index 36 (100 = US average, lower is safer), schools rated B. Whether these are benefits or drawbacks depends on where you're coming from — compare Waterford side by side with your current city to see the trade-offs.
