ZIP Code 12188 — Waterford, New York

The median home in 12188 is valued at $278,100 against a median household income of $87,212, a price-to-income ratio of 3.2. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Saratoga County, 12188 ranks 13 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.1. Renting takes 15.1% of median household income (median rent $1,097 a month), under the 30% cost-burden threshold.

12188 ranks 640 of 1,572 statewide on median household income and 660 of 1,572 on median home value; its income is below the $94,189 Saratoga County median. 72% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 32% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 5.5%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.9%.

With 878 residents per square mile across 13 square miles of land, 12188 is far denser than the statewide ZIP median of 197 (rank 526 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.