ZIP Code 12866 — Saratoga Springs, New York

The median home in 12866 is valued at $419,200 against a median household income of $98,374, a price-to-income ratio of 4.3. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Saratoga County, 12866 ranks 21 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.1. Renting takes 17.8% of median household income (median rent $1,460 a month), under the 30% cost-burden threshold.

12866 ranks 475 of 1,572 statewide on median household income and 445 of 1,572 on median home value; its income is in line with the $94,189 Saratoga County median. 63% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 55% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 8.6%, below the 9.9% statewide ZIP median. Unemployment stands at 2.5%.

With 617 residents per square mile across 64.3 square miles of land, 12866 is far denser than the statewide ZIP median of 197 (rank 571 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.