| Index | Waterford | New York | National |
| Cost of living | 97 | 117 | 100 |
| Goods & Services | 106 | 108 | 100 |
| Groceries | 103 | 102 | 100 |
| Health care | 93 | 103 | 100 |
| Housing | 85 | 145 | 100 |
| Transportation | 97 | 105 | 100 |
| Utilities | 102 | 100 | 100 |
| Cost of living index | |
| Goods & Services index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $83,625 | $6,969 | $1,951 | $2,509 |
| Renters | $43,750 | $3,646 | $1,021 | $1,313 |
| State | General Sales Tax | With Max Surtax |
| New York | 4% | 8.875% |
| State | Income Tax (Low) | Income Tax (High) |
| New York | 4% | 10.9% |
| Item | Waterford | National avg. | Difference |
| Haircut | $28.28 | $24.26 | 16.6% |
| Beauty Salon | $51.36 | $45.56 | 12.7% |
| Toothpaste | $3.74 | $3.70 | 1.1% |
| Shampoo | $1.28 | $1.28 | 0.3% |
| Movie | $13.08 | $12.13 | 7.8% |
| Bowling | $15.96 | $18.00 | 11.3% |
| Item | Waterford | National avg. | Difference |
| Ground Beef | $6.06 | $5.84 | 3.7% |
| Fried Chicken | $1.60 | $1.57 | 1.5% |
| Milk | $4.85 | $4.67 | 3.9% |
| Potatoes | $5.09 | $4.93 | 3.2% |
| Pizza | $14.69 | $12.09 | 21.5% |
| Beer | $10.90 | $10.41 | 4.7% |
| Item | Waterford | National avg. | Difference |
| Optometrist | $132.47 | $125.68 | 5.4% |
| Doctor | $111.33 | $135.78 | 18.0% |
| Dentist | $111.69 | $113.29 | 1.4% |
| Ibuprofen | $10.90 | $10.65 | 2.3% |
| Lipitor | $436.57 | $468.60 | 6.8% |
| Item | Waterford | National avg. | Difference |
| Home Price | $153,700.00 | $184,700.00 | 16.8% |
| Avg. Mortgage Payment | $2,531.65 | $2,346.69 | 7.9% |
| Apartment Rent | $847.00 | $949.00 | 10.7% |
| Item | Waterford | National avg. | Difference |
| Gasoline | $3.55 | $3.46 | 2.5% |
| Tire Balancing | $50.33 | $59.92 | 16.0% |
| Item | Waterford | National avg. | Difference |
| All Electricity | $196.70 | $193.99 | 1.4% |
| Phone | $195.71 | $192.25 | 1.8% |
| City | Population | Cost of Living Index | National Avg. |
| Schenectady, NY | 65,336 | 94 | 6.5% |
| Green Island, NY | 2,647 | 95 | 4.7% |
| Mechanicville, NY | 5,077 | 97 | 2.9% |
| Scotia, NY | 7,648 | 97 | 2.7% |
| Watervliet, NY | 9,976 | 98 | 2.0% |
| Waterford, NY | 2,141 | 97 | 2.6% |
| City | Population | Cost of Living Index | National Avg. |
| Alpha, NJ | 2,141 | 105 | 5.4% |
| Glasco, NY | 2,141 | 113 | 12.6% |
| Utica, OH | 2,141 | 85 | 14.7% |
| Shiner, TX | 2,141 | 93 | 7.4% |
| Montague, PE | 2,141 | n/a | |
| Waterford, NY | 2,141 | 97 | 2.6% |
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