PlainZIP

Stillwater, NY · standard

ZIP Code 12170

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

4,945
63/sq mi
$102,857
Median income
$271,600
Median home value
27.2%
Bachelor's or higher

The verdict

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

Top 17%
household income, US ZIPs
Top 38%
home value, US ZIPs
63
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12170 against every reporting US ZIP.

ZIP code 12170 covers 78.0 square miles in Stillwater, Saratoga County, New York (a standard USPS delivery area), with a modest 4,945 residents on file, a density of 63 people per square mile, in the New York time zone.

ZIP 12170 lands in the middle-income range, with a median household income of $102,857 (11% above the New York average), while per-capita income is $47,806. Poverty here runs at 8.6%, with unemployment measured at 6.0%. Median home value sits at $271,600 (28% below the state average), median rent at $1,240 a month, and owner-occupancy at 81.1%.

Educational attainment sits below the national norm: 27.2% of adults hold a bachelor's degree or higher, the median age is 37.5, and the average commute is 27 minutes. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Saratoga County, so you can benchmark 12170 against its immediate geography rather than a national average alone.

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 12170

Top 5 sectors by establishment count in Stillwater, NY

Which industries have the most business establishments in ZIP 12170.

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 12170, Stillwater, 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

4,945

Population

78.0

Area (sq mi)

63

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 12170?

37.5

Median Age

48.5%

Male

51.5%

Female

3.3%

Foreign-Born

White 88.5%
African American 1.6%
Asian 0.2%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.8%
Hispanic or Latino 8.5%

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?

$102,857

Median Household Income

+11% vs state

$47,806

Per Capita Income

8.6%

Poverty Rate

6.0%

Unemployment Rate

26.7 min

Mean Commute Time

How ZIP 12170 ranks nationally

Stillwater, NY household income vs. every US ZIP code

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

$102,857 Top 17% higher than 83% 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 58.9%
Bachelor's Degree or Higher 27.2%

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

What does housing look like?

2,317

Total Housing Units

2,116

Occupied Units

201

Vacant Units

2.53

Avg Household Size

Occupancy Type

Owner 81.1%
Renter 18.9%

$271,600

Median Home Value

-28% vs state

$1,240

Median Rent

1980

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

-2.9%

YoY Change (2024)

298

HPI Index (2000 = 100)

+198%

Total Change Since 2000

Home values in ZIP 12170 have decreased 2.9% over the past year (2024). Since 2000, this ZIP has seen +198% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.5% 215
2021 +11.3% 239
2022 +8.3% 259
2023 +18.8% 307
2024 -2.9% 298

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 60 business establishments in ZIP 12170, employing approximately 249 people with a combined annual payroll of $9,416,000.

60

Businesses

249

Employees

$9.4M

Annual Payroll

6

Industry Sectors

Industry Establishments % of Total
Construction 19 31.7%
Administrative and support and waste management and remediation services 8 13.3%
Other services (except public administration) 5 8.3%
Retail trade 4 6.7%
Health care and social assistance 4 6.7%
Professional, scientific, and technical services 3 5.0%

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 12170 vs 12154 →

ZIP 12170 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 12170 ranks #4 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 12170 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 12170 ranks #4 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
12154 Schaghticoke, NY 2,818 5.2 mi
12118 Mechanicville, NY 13,897 6.3 mi
12871 Schuylerville, NY 4,084 6.9 mi
12866 Saratoga Springs, NY 36,915 6.4 mi
12884 Victory Mills, NY 486 7.3 mi
12151 Round Lake, NY 708 8.1 mi
12185 Valley Falls, NY 2,037 9.3 mi
12065 Clifton Park, NY 41,776 11.7 mi

More ZIP Codes in Saratoga County

12065 standard
Clifton Park, NY
Pop: 41,776
12866 standard
Saratoga Springs, NY
Pop: 36,915
12020 standard
Ballston Spa, NY
Pop: 31,192
12831 standard
Gansevoort, NY
Pop: 17,416
12019 standard
Ballston Lake, NY
Pop: 14,740
12118 standard
Mechanicville, NY
Pop: 13,897

Related Areas

Saratoga County Stillwater, NY New York

Frequently Asked Questions

What county is ZIP code 12170 in? ▼
ZIP code 12170 (Stillwater) 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 12170? ▼
ZIP code 12170 in Stillwater, NY has a population of 4,945 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12170? ▼
The median household income in ZIP 12170 is $102,857, which is 35% above the national average of $76,288.
What is the average home value in ZIP 12170? ▼
The median home value in ZIP 12170 is $271,600, which is 2% below the national average of $278,155.
What is the demographic makeup of ZIP 12170? ▼
The largest racial group in ZIP 12170 is White at 88.5%. Hispanic or Latino residents make up 8.5% of the population.
How many businesses are in ZIP code 12170? ▼
ZIP code 12170 has 60 business establishments employing approximately 249 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12170? ▼
The top industries by establishment count in ZIP 12170 are: Construction (19), Administrative and support and waste management and remediation services (8), Other services (except public administration) (5). There are 6 industry sectors represented in total.
How have home values changed in ZIP code 12170? ▼
According to the FHFA House Price Index, home values in ZIP 12170 decreased by 2.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 198%. 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 12170? ▼
In ZIP code 12170, 58.9% of residents aged 25+ have a high school diploma or higher, and 27.2% 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 12170? ▼
The mean commute time for workers in ZIP code 12170 is 26.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 12170? ▼
In ZIP code 12170, approximately 81.1% of occupied housing units are owner-occupied and 18.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12170? ▼
The poverty rate in ZIP code 12170 is 8.6% 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.