The Town FilesWaterford, Vermont
Town in Caledonia County · population 1,268 (2020 Census)
- Median home
- $271,500
- Household income
- $109,375
- Jan low / Jul high
- 9° / 81°
- Snow a year
- 87 in
- Tornadoes ≤10 mi since 1950
- 1
- Median age
- 45.4
Waterford is a town of 1,268 people in Caledonia County, Vermont. The median home is worth $271,500, close to the typical Vermont town ($278,700). It ranks better for cycling than 93% of Vermont towns, better for first-time buyers than 92% of Vermont towns, better for families than 79% of Vermont towns.
How Waterford ranks
Percentile among Vermont towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Vermont towns.
Homes and cost of living
The median home in Waterford is worth $271,500, close to the typical Vermont town ($278,700). Homes cost about 2.5 times the median household income of $109,375, which is more affordable than 96% of Vermont towns. 99.0% of households own their home.
| Housing | Waterford | Typical Vermont town |
|---|---|---|
| Median home value | $271,500 | $278,700 |
| Median rent | — | $1,117 |
| Median household income | $109,375 | $76,895 |
| Home value ÷ income | 2.5× | 3.6× |
| Homeownership | 99.0% | 81.6% |
| Median year built | 1980 | 1976 |
| Seasonal / vacation homes | 4.2% | — |
Who lives in Waterford
| People | Waterford | Typical Vermont town |
|---|---|---|
| Median age | 45.4 | 45.7 |
| Age 65 and over | 21.4% | 22.2% |
| Under 18 | 16.7% | — |
| Bachelor's degree or higher | 41.0% | 38.9% |
| Below the poverty line | 7.0% | 8.6% |
| Veterans | 2.0% | — |
| Born outside the U.S. | 0.7% | — |
| Work from home | 15.3% | 14.9% |
| Average commute | 24.4 min | 25.2 min |
| Homes with broadband | 88.3% | 89.3% |
Weather in Waterford
July highs average 81.2°F and January lows 9.0°F. About 40.3 inches of rain and melted snow fall a year, with 87.2 inches of snow (typical Vermont town: 84.3 in). Expect about 6 days a year at 90°F or hotter and 162 nights at or below freezing.
Tornadoes, storms and disasters
1 tornado has passed within 10 miles of Waterford since 1950, compared with 2 for the typical Vermont town. The strongest, an F1, struck on May 19, 1982 about 8.2 miles from the town center. The most recent was on May 19, 1982.
Hail of 1 inch or larger has been reported within 10 miles 30 times; the largest was 1.75 inches on July 18, 2016.
Severe weather in Caledonia County since 1996
Caledonia County has been included in 31 federal disaster or emergency declarations since 1953, most often for flood, hurricane, biological.
| Declared | Incident | Declaration |
|---|---|---|
| September 26, 2024 | Flood | DR-4826: Severe Storms, Flooding, Landslides, And Mudslides |
| August 20, 2024 | Severe Storm | DR-4810: Severe Storm, Flooding, Landslides, And Mudslides |
| August 8, 2024 | Tropical Storm | EM-3609: Tropical Depression Debby |
| July 14, 2023 | Flood | DR-4720: Severe Storms, Flooding, Landslides, And Mudslides |
| July 10, 2023 | Flood | EM-3595: Flooding |
Jobs and pay in Caledonia County
Caledonia County had 11,117 jobs in 2024, paying an average of $55,371 a year. Unemployment was 2.3% in 2023; in Waterford itself the ACS puts it at 1%.
Public schools in Waterford
1 public school with 149 students, about 9.9 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| Waterford Elementary School | PK-8 | 149 | 9.9 |
Towns near Waterford
- Monroe, NH5.1 mi · 864 people · home $312,700
- St. Johnsbury, VT5.9 mi · 5,994 people · home $174,500
- Littleton, NH7.0 mi · 6,005 people · home $282,900
- Lyman, NH7.3 mi · 585 people · home $311,100
- Barnet, VT7.4 mi · 1,663 people · home $247,900
- Concord, VT7.5 mi · 1,141 people · home $159,300
- St. Johnsbury, VT7.6 mi · 7,364 people · home $177,700
- Littleton, NH8.5 mi · 4,467 people · home $230,500
Waterford questions
Is Waterford, Vermont a good place to retire?
On The Town Files lifestyle rankings, Waterford scores better for retirees than 36% of Vermont towns and quieter than 58%. 21.4% of residents are 65 or older (median age 45.4).
How much does a house cost in Waterford?
The median owner-occupied home in Waterford is valued at $271,500 (Census ACS 2020–2024), against a median household income of $109,375, so homes cost about 2.5 times income. Median rent is — a month.
What is the weather like in Waterford?
July highs average 81.2°F and January lows 9.0°F (NOAA 1991–2020 normals). It gets about 40.3 inches of precipitation a year and 87.2 inches of snow.
Does Waterford get tornadoes?
1 tornado has passed within 10 miles of Waterford since 1950 (NOAA Storm Events); the strongest was a F1 on May 19, 1982. The typical Vermont town has had 2.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)