Waterford New York

Financial planners, legal services and financial services

Financial planners 41 Legal services 29 Financial services 25

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Other Amenities in Waterford

Bars 11 Restaurants 70 Banks 5 Hotels 3 Shops 34 Movie theaters 1 Gas stations 1 Takeouts 26 Health and beauty 21 Home improvement 138

Local Information

Distances in these cards are measured from the centre of the 12188 ZIP area.

State or areaNew York

ZIP code12188

Telephone code518

Time zoneEastern Time (EST/EDT)

Daylight through the yearLongest day (Jun 21): 15 h 21 min5:16 am – 8:36 pmShortest day (Dec 21): 9 h 2 min7:22 am – 4:23 pm

Sun todaySunrise –Sunset –

People10,988 residentsin the ZIP code areaMedian age 46.14,880 householdsMedian household income $92,279Median home value $281,400Median rent $1,134 a month74% of homes owner-occupiedMedian property tax $4,598 a yearSource: US Census Bureau, American Community Survey 2020-2024

Work and commuting4.4% unemployment rate64% of adults are in the labour force, 5,698 employedMain industries: education and health care 30%, construction 10%, finance, insurance and real estate 10%Average commute 23 minutes79% drive alone, 3% car-pool, 1% walk or cycle, 17% work from homeSource: US Census Bureau, American Community Survey 2020-2024, ZIP area

Education and languages32% of adults have a bachelor's degree or higher94% finished high school, 13% hold a graduate degreeLanguages at home: English only 92%, Spanish 3%, French or Haitian Creole 3%, other Indo-European languages 1%2% speak English less than very wellSource: US Census Bureau, American Community Survey 2020-2024, ZIP area

ClimateWarmest month July: highs 86°F, lows 64°FColdest month January: highs 34°F, lows 17°F42 in of rain a year, on about 83 dayswettest month July59 in of snow a year, on about 35 days13 days above 90°F, 131 nights below freezing in a typical yearSource: NOAA 1991-2020 Climate Normals, Troy L&d station, 5 mi away; snow from Albany Ap

Nearby landmarksCohoes Fallswaterfall · 2.3 miCampbell Islandisland · 1.9 miCollins Islandisland · 2.0 miButtermilk Fallswaterfall · 3.2 miRice Mountainpeak · 3.9 miMohawk Riverriver · 4.2 miSource: USGS Geographic Names Information System

Parks and public landsLock 6 State Canal Parkstate park · 1.1 mi · 102 acresPeebles Island State Parkstate park · 2.5 mi · 191 acresTown of Waterford Landpark · 1.1 miColonie Town Parkpark · 2.5 mi · 134 acresMohawk-Hudson Bike-Hike Trailstate recreation area · 5.4 miMohawk River State Parkstate park · 7.9 mi · 105 acresSource: USGS Protected Areas Database (PAD-US)

Earthquakes4 of magnitude 3 or more within 50 miles since 19700 of magnitude 4+, 0 of magnitude 5+Largest: magnitude 3.2 on 13 Dec 200927 mi away, near Medusa, New YorkMost recent: magnitude 3.1 on 11 Mar 202033 mi awaySource: USGS Earthquake Catalog

Natural hazardsOverall risk Relatively LowSaratoga County, NY, compared with all US countiesHighest-rated hazardsRiver flooding Relatively ModerateIce storm Relatively ModerateSource: FEMA National Risk Index (county level)

Air quality96% of days had good air in 2025310 of 322 days measured12 moderate daysMedian index 34, worst day 93main pollutant: ozoneSource: US EPA Air Quality Index, Saratoga County monitors, NY

Internet at home92% of households have a broadband subscription83% have cable, fibre or DSL9% rely on a mobile data plan alone6% have no internet at homeSource: US Census Bureau, American Community Survey 2020-2024

Drinking waterWaterford Water Works (purchase Troy)serves 9,800 people from surface water purchasedNo health-based violations since 2021Source: US EPA Safe Drinking Water Information System, largest system serving the town

Elevation258 ft79 m above sea levelSource: USGS 3D Elevation Program

Local servicesHospitalSamaritan Hospital - Saint Mary's Campus5.5 miPost officeWaterford Post Office2.2 miTown hallWaterford Town Hall2.3 miPoliceWaterford Police Department2.3 miFire stationHalfmoon Waterford Fire District Station 11.1 miSource: USGS National Structures Dataset

SchoolsWithin 2 mi2 schools1 elementary, 1 highElementaryWaterford Elementary Schoolunder a mileHighWaterford Halfmoon Junior Senior High Schoolunder a mileCollegeSamaritan Hospital School of Nursing6.2 miSource: USGS National Structures Dataset

Getting aroundAirportAlbany International Airport ALB7.4 miInterstateI-873.9 miUS highwayUS 41.5 miAmtrakSchenectady, NY SDY13 miCoachAlbany International AirportVermont Translines7.8 miSources: OurAirports; US Census Bureau TIGER roads; Bureau of Transportation Statistics NTAD

Distances in these cards are measured from the centre of the 12188 ZIP area.

Financial planners

Financial planners in Waterford

Annese & Assoc - Clifton Park
39 Old Route 146 1, Clifton Park, 12065 · 5.0 mi
FNB Financial Svc - Clifton Park
1693 Route 9, Clifton Park, 12065 · 4.6 mi
Raymond James Financial Services Raymond James Financial Services - Clifton Park
1693 Route 9, Clifton Park, 12065 · 4.6 mi
Center Square Asset Mgmt - Latham
950 New Loudon Rd Ste 103, Latham, 12110 · 4.9 mi
Raymond James - Latham
950 New Loudon Rd Ste 245, Latham, 12110 · 4.9 mi
Finance Manager - Latham
26 Century Hill Dr Ste 204, Latham, 12110 · 4.7 mi
Stephen Woodard CFP - Latham
26 Century Hill Dr Ste 301, Latham, 12110 · 4.7 mi
Merrill Lynch Wealth Mgmt - Latham
26 Century Hill Dr, Latham, 12110 · 4.7 mi
Met Life - Latham
24 Century Hill Dr Ste 105, Latham, 12110 · 4.7 mi
Capital Closing Co LLC - Cohoes
621 Columbia St Ste 3, Cohoes, 12047 · 4.8 mi
Patriot Capital Corp - Latham
10 Century Hill Dr, Latham, 12110 · 4.6 mi
Cap Co Financial Svc - Latham
4 Century Hill Dr, Latham, 12110 · 4.5 mi
Neighbor Discount - Troy
493 5th Ave, Troy, 12182 · 3.6 mi
CSB Financial Svc - Cohoes
75 Remsen St, Cohoes, 12047 · 3.2 mi
Next Financial - Cohoes
7 Mohawk St, Cohoes, 12047 · 3.1 mi
Personal Business Daily Money - Cohoes
PO Box 11, Cohoes, 12047 · 3.3 mi
Brewer Richard - Cohoes
23 Sunset Ct, Cohoes, 12047 · 3.7 mi
CSB Financial Svc (244 N Mohawk St) - Cohoes
244 N Mohawk St, Cohoes, 12047 · 2.6 mi
William Tell Financial Svc - Cohoes
560 Boght Rd, Cohoes, 12047 · 3.4 mi
AIFG Capital Consultants - Cohoes
1044 New Loudon Rd, Cohoes, 12047 · 4.1 mi
Edward Jones Financial Advisor: Louis A Dahoda - Halfmoon
1471 Halfmoon Pkwy Route 9, Halfmoon, 12065 · 2.4 mi
Edward Jones (1471 Route 9) - Clifton Park
1471 Route 9, Clifton Park, 12065 · 2.4 mi
NBT Bank (225 Guideboard Rd) - Clifton Park
225 Guideboard Rd, Clifton Park, 12065 · 2.6 mi
Flint Budde Nancy - Clifton Park
1407 Route 9 Ste 7, Clifton Park, 12065 · 1.9 mi
Johnson Philip C - Clifton Park
1407 Route 9 Ste 7, Clifton Park, 12065 · 1.9 mi
Valardi Financial - Clifton Park
1406 Route 9, Clifton Park, 12065 · 1.9 mi
Philip C Johnson - Clifton Park
4 Executive Park Dr, Clifton Park, 12065 · 2.9 mi
De Maria Financial - Clifton Park
3 Executive Park Dr, Clifton Park, 12065 · 2.9 mi
Mc Ginn Smith & Co - Clifton Park
6 Executive Park Dr Ste A, Clifton Park, 12065 · 3.0 mi
Walthausen & Co LLC - Clifton Park
9 Executive Park Dr Ste 2, Clifton Park, 12065 · 3.0 mi
Mutual Fund Store - Clifton Park
1581 Route 9 Ste C, Clifton Park, 12065 · 3.6 mi
Capital Communications - Waterford
260 Hudson River Rd, Waterford, 12188 · 1.6 mi
Capital Advisory Management - Clifton Park
1593 Route 9, Clifton Park, 12065 · 3.7 mi
Capital Financial Advisors Ny - Clifton Park
7 Corporate Dr Ste 1, Clifton Park, 12065 · 3.5 mi
Edward Jones (1603 Route 9 Ste 4) - Clifton Park
1603 Route 9 Ste 4, Clifton Park, 12065 · 3.8 mi
Edward Jones DEBORAH A CHRISTOPHER - Clifton Park
1603 Route 9, Clifton Park, 12065 · 3.8 mi
Babcock Financial Advisors - Clifton Park
306 Grooms Rd A, Clifton Park, 12065 · 3.4 mi
DLG Wealth Management - Clifton Park
123 Pine Ridge Ii, Clifton Park, 12065 · 3.7 mi
Merrill Lynch Wealth Mgmt - Clifton Park
449 Route 146, Clifton Park, 12065 · 4.3 mi
H C Copeland & Assoc - Clifton Park
1520 Crescent Rd, Clifton Park, 12065 · 3.5 mi
Edward Jones Financial Advisor: Jeff King - Clifton Park
1714 Route 9 Ste B, Clifton Park, 12065 · 4.8 mi

Legal services

Legal services in Waterford

Worldwide Law Enforcement - Clifton Park
PO Box 1505, Clifton Park, 12065 · 4.7 mi
Romanucci Law Firm - Latham
950 New Loudon Rd Ste 103, Latham, 12110 · 4.9 mi
Nationwide Insurance (950 New Loudon Rd Ste 230) - Latham
950 New Loudon Rd Ste 230, Latham, 12110 · 4.9 mi
Elizabeth A Cloffi Attorney - Latham
950 New Loudon Rd, Latham, 12110 · 4.9 mi
Wager Taylor Howd & Brearton - Latham
950 New Loudon Rd, Latham, 12110 · 4.9 mi
Schiller William B Schiller & Knapp - Latham
950 New Loudon Rd, Latham, 12110 · 4.9 mi
Lefkowitz Gary A - Latham
950 New Loudon Rd, Latham, 12110 · 4.9 mi
Luibrand Law Firm - Latham
950 New Loudon Rd Ste 270, Latham, 12110 · 4.9 mi
Borden Rebecca Atty - Latham
950 New Loudon Rd, Latham, 12110 · 4.9 mi
Thomas Jaime - Latham
950 New Loudon Rd, Latham, 12110 · 4.9 mi
Schiller & Knapp - Latham
950 New Loudon Rd Ste 310, Latham, 12110 · 4.9 mi
Town of Halfmoon Justice Court - Clifton Park
1 Halfmoon Town Plz, Clifton Park, 12065 · 2.7 mi
Pennock Breedlove & Noll LLP - Clifton Park
1407 Route 9 4, Clifton Park, 12065 · 1.9 mi
Sharon Freyer Law Offices - Clifton Park
1 Executive Park Dr, Clifton Park, 12065 · 2.9 mi
Mc Namee Lochner Titus - Clifton Park
1532 Route 9, Clifton Park, 12065 · 3.0 mi
Overton Russell & Doerr - Clifton Park
19 Executive Park Dr, Clifton Park, 12065 · 2.9 mi
Overton Russell Doerr & Dnvn - Clifton Park
19 Executive Park Dr, Clifton Park, 12065 · 2.9 mi
Robert E Donaldson Law Firm - Waterford
18 Mallards Lndg N, Waterford, 12188 · 1.1 mi
A Arbitrator - Mechanicville
7 Camden Ct, Mechanicville, 12118 · 4.0 mi
Block Colucci Spellman Peller - Clifton Park
9 Executive Park Dr Ste 1, Clifton Park, 12065 · 3.0 mi
Kevin Wheatley Law Office - Waterford
16 Towpath Ln, Waterford, 12188 · 1.3 mi
Didomenico Andrea J - Mechanicville
1 Vosburgh Rd, Mechanicville, 12118 · 4.3 mi
Andrea J Di Domenico Law Offic - Mechanicville
1 Vosburgh Rd, Mechanicville, 12118 · 4.3 mi
Gerald A Thompson Esq - Clifton Park
440 Route 146, Clifton Park, 12065 · 4.2 mi
Richard J Herrmann Jr Law Ofc - Clifton Park
440 Route 146, Clifton Park, 12065 · 4.2 mi
Bandell Ralph - Cohoes
13 Green Mountain Dr, Cohoes, 12047 · 2.2 mi
Fox & Kowalewski LLP - Clifton Park
4 Old Route 146, Clifton Park, 12065 · 4.6 mi
Cooper Erving & Savage - Clifton Park
1520 Crescent Rd, Clifton Park, 12065 · 3.5 mi
Mills Law Firm - Clifton Park
1520 Crescent Rd, Clifton Park, 12065 · 3.5 mi

Financial services

Financial services in Waterford

PFEIFFER & ASSOC LLC - Clifton Park
7 Huntwood Dr, Clifton Park, 12065 · 4.7 mi
Bank of America ATM - Clifton Park
1691 Route 9, Clifton Park, 12065 · 4.6 mi
Key Bank - Clifton Park
1703 Route 9 Ste 2, Clifton Park, 12065 · 4.8 mi
Hudson River Bank & Trust Company Clifton Park Vischer - Clifton Park
Clifton Park Vischer Ferry Rd, Clifton Park, 12065 · 5.0 mi
Stewart's Shop (3283 6th Ave) - Troy
3283 6th Ave, Troy, 12180 · 4.9 mi
Empire Recovery - Troy
3333 7th Ave, Troy, 12180 · 4.8 mi
Corporate It Brokers - Troy
10 Florence Pl, Troy, 12180 · 4.6 mi
Cardtronics ATM - Cohoes
601 Saratoga St, Cohoes, 12047 · 4.6 mi
Cardtronics - Cohoes
601 Saratoga St, Cohoes, 12047 · 4.6 mi
Coinstar - Cohoes
240 Congress St, Cohoes, 12047 · 3.9 mi
Stewart's Shop - Waterford
280 Middletown Rd, Waterford, 12188 · under a mile
Stewart's Shop (185 Guideboard Rd) - Waterford
185 Guideboard Rd, Waterford, 12188 · 2.3 mi
Trustco Bank (215 Guideboard Rd Ste 5) - Clifton Park
215 Guideboard Rd Ste 5, Clifton Park, 12065 · 2.5 mi
Halfmoon Wever Mobil - Clifton Park
218 Guideboard Rd, Clifton Park, 12065 · 2.5 mi
Halfmoon Getty - Clifton Park
1493 Route 9, Clifton Park, 12065 · 2.6 mi
SMC Mortgage Company - Clifton Park
1406 Route 9, Clifton Park, 12065 · 1.9 mi
First Niagara Bank (1532 Route 9 Ste 1) - Clifton Park
1532 Route 9 Ste 1, Clifton Park, 12065 · 3.0 mi
Financial Services - Clifton Park
19 Executive Park Dr, Clifton Park, 12065 · 2.9 mi
GTM Payroll Svc - Clifton Park
7 Executive Park Dr Ste 1, Clifton Park, 12065 · 3.0 mi
Tech Valley Payroll - Clifton Park
7 Executive Park Dr Ste 1, Clifton Park, 12065 · 3.0 mi
Coinstar - Clifton Park
1549 Halfmoon Pkwy, Clifton Park, 12065 · 3.2 mi
Cardtronics - Clifton Park
1583 Route 9, Clifton Park, 12065 · 3.6 mi
Cardtronics ATM - Clifton Park
1583 Route 9, Clifton Park, 12065 · 3.6 mi
Provantage Funding Corp - Clifton Park
28 Corporate Dr, Clifton Park, 12065 · 3.7 mi
Reaal - Clifton Park
13 Morris Ln, Clifton Park, 12065 · 3.4 mi

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