PlainZIP

Ballston Spa, NY · standard

ZIP Code 12020

Saratoga County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

31,192
160/sq mi
$107,112
Median income
$329,400
Median home value
44.6%
Bachelor's or higher

The verdict

Ballston Spa pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 15%
household income, US ZIPs
Top 29%
home value, US ZIPs
160
people per sq mi
70%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12020 against every reporting US ZIP.

ZIP code 12020 is a densely settled ZIP (a standard USPS delivery area) in Ballston Spa, Saratoga County, New York, with 31,192 residents across 194.7 square miles, a density of 160 people per square mile, in the New York time zone.

ZIP 12020 lands in the middle-income range, with a median household income of $107,112 (16% above the New York average), while per-capita income is $53,627. The poverty rate stands at 6.1% and the unemployment rate at 3.3%. On housing, the median home value is $329,400 (13% below the state average) with median rent at $1,612 per month, and 70.2% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 44.6% of adults hold a bachelor's degree or higher, the median age is 42.2, and the average commute is 26 minutes. To put 12020 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Saratoga County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 12020

Top 5 sectors by establishment count in Ballston Spa, NY

Which industries have the most business establishments in ZIP 12020.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 12020, Ballston Spa, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

31,192

Population

194.7

Area (sq mi)

160

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 12020?

42.2

Median Age

50.2%

Male

49.8%

Female

3.7%

Foreign-Born

White 88.8%
African American 2.1%
Asian 2.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.7%
Hispanic or Latino 3.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$107,112

Median Household Income

+16% vs state

$53,627

Per Capita Income

6.1%

Poverty Rate

3.3%

Unemployment Rate

25.6 min

Mean Commute Time

How ZIP 12020 ranks nationally

Ballston Spa, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$107,112 Top 15% higher than 85% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 66.9%
Bachelor's Degree or Higher 44.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

16,021

Total Housing Units

14,563

Occupied Units

1,458

Vacant Units

2.37

Avg Household Size

Occupancy Type

Owner 70.2%
Renter 29.8%

$329,400

Median Home Value

-13% vs state

$1,612

Median Rent

1989

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+3.4%

YoY Change (2024)

305

HPI Index (2000 = 100)

+205%

Total Change Since 2000

Home values in ZIP 12020 have increased 3.4% over the past year (2024). Since 2000, this ZIP has seen +205% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.4% 216
2021 +9.5% 236
2022 +10.6% 261
2023 +13.0% 295
2024 +3.4% 305

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 785 business establishments in ZIP 12020, employing approximately 13,065 people with a combined annual payroll of $1,100,275,000.

785

Businesses

13,065

Employees

$1.1B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 121 15.4%
Health care and social assistance 102 13.0%
Professional, scientific, and technical services 91 11.6%
Retail trade 85 10.8%
Accommodation and food services 79 10.1%
Other services (except public administration) 64 8.2%
Administrative and support and waste management and remediation services 52 6.6%
Finance and insurance 42 5.3%
Wholesale trade 31 4.0%
Real estate and rental and leasing 27 3.4%
Manufacturing 24 3.1%
Arts, entertainment, and recreation 20 2.5%
Transportation and warehousing 16 2.0%
Educational services 14 1.8%
Information 10 1.3%
Management of companies and enterprises 5 0.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 12020 vs 12019 →

ZIP 12020 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 12020 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 12020 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 12020 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
12019 Ballston Lake, NY 14,740 5.0 mi
12027 Burnt Hills, NY 3,882 5.9 mi
12863 Rock City Falls, NY 533 5.1 mi
12151 Round Lake, NY 708 6.7 mi
12833 Greenfield Center, NY 4,401 9.6 mi
12008 Alplaus, NY 497 10.5 mi
12866 Saratoga Springs, NY 36,915 8.0 mi
12850 Middle Grove, NY 2,835 9.3 mi
12065 Clifton Park, NY 41,776 11.1 mi
12118 Mechanicville, NY 13,897 9.5 mi

More ZIP Codes in Saratoga County

12065 standard
Clifton Park, NY
Pop: 41,776
12866 standard
Saratoga Springs, NY
Pop: 36,915
12831 standard
Gansevoort, NY
Pop: 17,416
12019 standard
Ballston Lake, NY
Pop: 14,740
12118 standard
Mechanicville, NY
Pop: 13,897
12188 standard
Waterford, NY
Pop: 10,980

Related Areas

Saratoga County Ballston Spa, NY New York

Frequently Asked Questions

What county is ZIP code 12020 in? ▼
ZIP code 12020 (Ballston Spa) is located in Saratoga County, New York. Saratoga County contains multiple ZIP codes, see the full list at /counties/saratoga-ny.
What is the population of ZIP code 12020? ▼
ZIP code 12020 in Ballston Spa, NY has a population of 31,192 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12020? ▼
The median household income in ZIP 12020 is $107,112, which is 40% above the national average of $76,288.
What is the average home value in ZIP 12020? ▼
The median home value in ZIP 12020 is $329,400, which is 18% above the national average of $278,155.
What is the demographic makeup of ZIP 12020? ▼
The largest racial group in ZIP 12020 is White at 88.8%. Hispanic or Latino residents make up 3.4% of the population.
How many businesses are in ZIP code 12020? ▼
ZIP code 12020 has 785 business establishments employing approximately 13,065 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12020? ▼
The top industries by establishment count in ZIP 12020 are: Construction (121), Health care and social assistance (102), Professional, scientific, and technical services (91). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 12020? ▼
According to the FHFA House Price Index, home values in ZIP 12020 increased by 3.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 205%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 12020? ▼
In ZIP code 12020, 66.9% of residents aged 25+ have a high school diploma or higher, and 44.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 12020? ▼
The mean commute time for workers in ZIP code 12020 is 25.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 12020? ▼
In ZIP code 12020, approximately 70.2% of occupied housing units are owner-occupied and 29.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12020? ▼
The poverty rate in ZIP code 12020 is 6.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.