Zip code 12188: Waterford, New York

Q: What city is zip code 12188?

12188 is assigned to Waterford, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12188 in?

12188 is in Saratoga County, New York.

Q: What is the population of 12188?

About 10,988 people live in 12188, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12188?

The median household income in 12188 is $92,279.

Q: What zip codes are near 12188?

The closest zip codes to 12188 are 12047, 12182, 12121, 12065, 12183.

Residential delivery areaSaratoga CountyEastern Time

Population

10,988

Median household income

$92K

U.S. $81K

Median home value

$281K

U.S. $333K

Median rent

$1,134/mo

U.S. $1,413

Median age

46.1

U.S. 38.9

Land area

13 sq mi

846 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 12188

12188 is a suburban zip code in Waterford, New York (Saratoga County), covering 13 sq mi of land. About 10,988 people live here, or 846 per square mile. The median resident is 46.1 years old, compared with 38.9 nationally.

The median household earns $92,279 a year, close to the national median of $80,734. 6.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $281,400, or 3.0 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 74% of occupied homes are lived in by their owners, and renters pay a median of $1,134 a month.

32% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23 minutes each way, and 17% of workers work from home. The most common jobs among working residents are in healthcare; office and administrative support; and management.

How 12188 compares

Sorted from highest to lowest national percentile

Healthcare workers14.1%
93rd
U.S. 9.7% · NY 11.8%321st of 1,685 in NY
Median age46.1
89th
U.S. 38.9 · NY 39.8599th of 1,693 in NY
Government workers21.3%
88th
U.S. 14.5% · NY 16.4%569th of 1,685 in NY
Residents 65 and older22.6%
85th
U.S. 17.2% · NY 17.9%584th of 1,693 in NY
Per capita income$47,551
67th
U.S. $44,673 · NY $50,712634th of 1,690 in NY
Work from home16.6%
67th
U.S. 15.1% · NY 14.9%445th of 1,685 in NY
Median earnings per worker$53,536
65th
U.S. $49,666 · NY $55,321715th of 1,676 in NY
Median household income$92,279
64th
U.S. $80,734 · NY $85,974608th of 1,602 in NY
Homeownership rate73.8%
63rd
U.S. 65.2% · NY 54.3%1,076th of 1,673 in NY
Veterans6.8%
63rd
U.S. 6.2% · NY 3.7%621st of 1,693 in NY
Tech workers3.5%
61st
U.S. 3.8% · NY 3.5%441st of 1,685 in NY
Bachelor's degree or higher32.2%
51st
U.S. 35.7% · NY 40.2%839th of 1,691 in NY
Broadband access92%
49th
U.S. 91% · NY 90.8%770th of 1,673 in NY
Population density846/sq mi
41st
U.S. 95/sq mi · NY 421/sq mi582nd of 1,693 in NY
Unemployment rate4.4%
41st
U.S. 5.2% · NY 6.4%875th of 1,685 in NY
Median home value$281,400
40th
U.S. $332,700 · NY $423,800727th of 1,614 in NY
Housing vacancy5.6%
39th
U.S. 10.1% · NY 10%1,213th of 1,675 in NY
Median gross rent$1,134
31st
U.S. $1,413 · NY $1,621718th of 1,367 in NY
Average commute23 min
29th
U.S. 26.4 min · NY 32.6 min1,162nd of 1,618 in NY
Diversity index31
25th
U.S. 61.4 · NY 65.5735th of 1,693 in NY
Foreign-born residents4.1%
24th
U.S. 14.1% · NY 22.8%932nd of 1,693 in NY
Poverty rate6.6%
22nd
U.S. 12.5% · NY 14%1,158th of 1,679 in NY
Residents under 1817.8%
18th
U.S. 22% · NY 20.5%1,095th of 1,693 in NY
Population10,988
17th
U.S. 334,922,499 · NY 19,852,366492nd of 1,693 in NY
Income inequality (Gini)0.380
10th
StrengthU.S. 0.483 · NY 0.5171,285th of 1,669 in NY
Self-employed workers5.1%
5th
U.S. 10% · NY 9.7%1,470th of 1,685 in NY
Uninsured rate1.8%
4th
StrengthU.S. 8.4% · NY 5.1%1,290th of 1,689 in NY
Rent-burdened renters22.8%
2nd
StrengthU.S. 51.1% · NY 52.1%1,375th of 1,579 in NY

Measure	12188	Saratoga	NY	U.S.	National percentile	Rank in NY
Healthcare workers	14.1%	9.1%	11.8%	9.7%	93rd	321st of 1,685
Median age	46.1	43.6	39.8	38.9	89th	599th of 1,693
Government workers	21.3%	18.5%	16.4%	14.5%	88th	569th of 1,685
Residents 65 and older	22.6%	20%	17.9%	17.2%	85th	584th of 1,693
Per capita income	$47,551	$57,380	$50,712	$44,673	67th	634th of 1,690
Work from home	16.6%	17.3%	14.9%	15.1%	67th	445th of 1,685
Median earnings per worker	$53,536	$62,363	$55,321	$49,666	65th	715th of 1,676
Median household income	$92,279	$100,787	$85,974	$80,734	64th	608th of 1,602
Homeownership rate	73.8%	72.3%	54.3%	65.2%	63rd	1,076th of 1,673
Veterans	6.8%	6.7%	3.7%	6.2%	63rd	621st of 1,693
Tech workers	3.5%	4.1%	3.5%	3.8%	61st	441st of 1,685
Bachelor's degree or higher	32.2%	45.4%	40.2%	35.7%	51st	839th of 1,691
Broadband access	92%	92.8%	90.8%	91%	49th	770th of 1,673
Population density	846/sq mi	294/sq mi	421/sq mi	95/sq mi	41st	582nd of 1,693
Unemployment rate	4.4%	3.3%	6.4%	5.2%	41st	875th of 1,685
Median home value	$281,400	$348,600	$423,800	$332,700	40th	727th of 1,614
Housing vacancy	5.6%	9.1%	10%	10.1%	39th	1,213th of 1,675
Median gross rent	$1,134	$1,394	$1,621	$1,413	31st	718th of 1,367
Average commute	23 min	25.5 min	32.6 min	26.4 min	29th	1,162nd of 1,618
Diversity index	31	24.2	65.5	61.4	25th	735th of 1,693
Foreign-born residents	4.1%	5.5%	22.8%	14.1%	24th	932nd of 1,693
Poverty rate	6.6%	7.1%	14%	12.5%	22nd	1,158th of 1,679
Residents under 18	17.8%	19.1%	20.5%	22%	18th	1,095th of 1,693
Population	10,988	238,284	19,852,366	334,922,499	17th	492nd of 1,693
Income inequality (Gini)Strength	0.380	0.446	0.517	0.483	10th	1,285th of 1,669
Self-employed workers	5.1%	8.4%	9.7%	10%	5th	1,470th of 1,685
Uninsured rateStrength	1.8%	2.6%	5.1%	8.4%	4th	1,290th of 1,689
Rent-burdened rentersStrength	22.8%	41.1%	52.1%	51.1%	2nd	1,375th of 1,579

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

14%

5–17

18–24

11%

25–34

14%

35–44

12%

45–54

18%

55–64

15%

65–74

75+

Median age

46.1

Under 18

17.8%

65 and over

22.6%

Race and ethnicity

White83%
Black4%
Hispanic7%
Asian2%
Native American0%
Pacific Islander0%
Other0%
Multiracial5%

Diversity index

U.S. 61.4

Foreign-born

4.1%

U.S. 14.1%

Born in state

85.4%

Language spoken at home (households)

English only

90%

Spanish

Other Indo-European

Asian / Pacific

0.5%

Other

0.3%

Households

Households: 4,880
Average household size: 2.3
Family households: 60.1%
Married couples: 46.1%
Living alone: 33.2%
Veterans (of adults): 6.8%
Male / female: 52% / 48%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

15%

$50–75k

16%

$75–100k

13%

$100–150k

23%

$150–200k

12%

$200k+

11%

Median household income

12188

$92,279

Saratoga Co.

$100,787

New York

$85,974

United States

$80,734

Per capita income

$47,551

U.S. $44,673

Poverty rate

6.6%

U.S. 12.5%

Households earning $150K+

22.6%

U.S. 23%

Income inequality (Gini)

0.380

U.S. 0.483

Housing

Median home value

12188

$281,400

Saratoga Co.

$348,600

New York

$423,800

United States

$332,700

Median gross rent

12188

$1,134

Saratoga Co.

$1,394

New York

$1,621

United States

$1,413

Types of housing

Single-family

63%

2–4 units

31%

5–19 units

20+ units

0.6%

Mobile home

Boat, RV, van

Housing units: 5,167
Owner-occupied: 73.8%
Vacant: 5.6%
Median year built: 1964
Median rooms: 5.9
Renters paying 30%+ of income: 22.8%
Renters paying 50%+ of income: 10.4%
Home value to income: 3.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

79%

Carpooled

Transit

Walked

Bicycle

Worked from home

17%

Other

0.4%

Commute time (one way)

<10 min

10–19

26%

20–29

41%

30–44

21%

45–59

60+

Average commute

23 min

U.S. 26.4 min

Unemployment

4.4%

U.S. 5.2%

In labor force

63.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

14%

Office and admin

12%

Management

11%

Construction and repair

Sales

Business and finance

Transportation and moving

Education

Cleaning and personal care

Food service

Computer and math

Legal and social services

Production

Engineering and science

Arts, media and sports

Police and fire

Farming, fishing and forestry

Industries

Health care and social assistance

21%

Construction

10%

Finance, insurance and real estate

10%

Retail

Education

Public administration

Manufacturing

Transportation, warehousing and utilities

Professional and technical services

Restaurants and hotels

Other services

Admin, support and management

Information

Wholesale

Arts and recreation

Agriculture and mining

0.4%

Median earnings per worker

$53,536

U.S. $49,666

Self-employed

5.1%

U.S. 10%

Government workers

21.3%

U.S. 14.5%

Nonprofit workers

13.9%

U.S. 8.8%

Median earnings by type of work

Type of work	12188	U.S.
Management, business, science and arts	$68,804	$74,888
Service	$36,558	$26,804
Sales and office	$47,552	$40,476
Construction and maintenance	$54,534	$49,199
Production and transportation	$40,257	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

29%

Some college

19%

Associate's

14%

Bachelor's

19%

Graduate

13%

High school graduate or higher: 93.5%
Bachelor's degree or higher: 32.2%
Graduate or professional degree: 13.2%
Households with broadband: 92%
Cable, fiber or DSL: 83.1%
No internet access: 6.4%
Without health insurance: 1.8%
Limited-English households: 0.8%

Geography

City (USPS): Waterford
State: New York
County: Saratoga County
Center point: 42.8212° N, 73.6955° W
Land area: 13 sq mi
Water area: 1.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Waterford2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 12188

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12047	Cohoes, NY	3 mi	23,532	$66,071	$246,800
12182	Troy, NY	3.7 mi	14,867	$56,984	$212,600
12121	Melrose, NY	4.6 mi	2,280	$100,461	$297,400
12065	Clifton Park, NY	5 mi	45,116	$113,873	$379,900
12183	Troy, NY	5.1 mi	2,970	$59,406	$138,300
12181	Troy, NY · PO box	5.8 mi	—	—	—
12189	Watervliet, NY	6 mi	18,656	$65,276	$220,600
12110	Latham, NY	6.4 mi	20,081	$105,024	$340,100
12180	Troy, NY	7 mi	53,479	$75,851	$244,400
12118	Mechanicville, NY	7 mi	17,069	$92,710	$345,800
12128	Newtonville, NY · PO box	7.5 mi	—	—	—
12185	Valley Falls, NY	7.7 mi	1,709	$110,625	$210,900

Zip codes like 12188 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 12188

What city is zip code 12188?

12188 is assigned to Waterford, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12188 in?

12188 is in Saratoga County, New York.

What is the population of 12188?

About 10,988 people live in 12188, according to the Census Bureau's American Community Survey.

What time zone is 12188 in?

12188 is in Eastern Time.

What is the median household income in 12188?

The median household income in 12188 is $92,279.

What zip codes are near 12188?

The closest zip codes to 12188 are 12047, 12182, 12121, 12065, 12183.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12188, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.