Waterville, New York.
Typical home $228,580 (+7.4% in a year). Utica-Rome, NY metro.
to buy the typical home at today's mortgage rate — +$690 (+135%) since Jan 2020.
- 1 year
- Up $15,703 +7%
- $212,878$228,580 since Sep 2025
- 5 years
- Up $61,497 +37%
- $167,083$228,580 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Waterville$1,200
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Waterville, NY rose 7.4% over the past year — faster than the nation's +1.2%.
Living in Waterville, Oneida County, New York
Waterville is a village of 1,473 people in Oneida County. Half its households earn more than $82,273 a year and half less, against $70,154 across Oneida County; 8% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Oneida County was 4.3% in August 2026, and the county had 1.1% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Waterville is a small village in Oneida County, with a population well under what you would find in a typical town. Residents tend to be somewhat older than in many places, and household incomes run higher than across the county. More homes are lived in by their owners than by renters, and winters are cold and snowy while summers stay warm.
Work. Residents work mostly in schools, hospitals and social care, with others in the building trades, shops and professional and business services. Among the largest workplaces in Waterville are the Waterville residential care center, the Waterville Central School District and Higgins Supply/C&H Plastics. A typical commute is moderate in length, and a good number of people work from home.
Things to do. Close by, the Ruth and Elmer Wellin Museum of Art is a short drive away, and Big Creek and Turkey Creek are small waterways within easy reach. For a longer outing, the National Baseball Hall of Fame and Museum and Otsego Lake are a longer drive away.
Report a mistake
- 756households
- 25%of adults have a degree
- 8%below the poverty line
- 22 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Oneida County had 101,447 jobs in 2025, 1.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 14°; warmest in July, with highs near 80° and lows near 60°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Utica Oneida County Airport weather station, 15 miles away (NOAA).
Largest workplaces in Waterville
- Waterville residential care centerHomes for the elderly with nursing care149
- Waterville Central School DistrictSchool district132FTE
- Higgins Supply/C&H PlasticsInjection molding machinery for plastics manufacturing32
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 181 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Waterville’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Oneida County and the Utica-Rome, NY metro.
Waterville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Waterville$228,580
- New York$524,942
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Waterville10
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Waterville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Waterville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.