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 Moderate-density area
- $102,857
- Median income Above-median income area
- $271,600
- Median home value Near-median home value
- 27.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 12170 (Stillwater, NY) fell -2.9% from 2023 to 2024. The all-transactions index moved from 307.1 in 2023 to 298.1 in 2024 (2000 = 100).
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 average New York ZIP), while per-capita income is $47,806. The poverty rate is 8.6%, with unemployment at 6.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $271,600 (28% below the average New York ZIP), and median rent is $1,240; owner occupancy is 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. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Saratoga County, so 12170 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
19 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
8 establishments
- Other services (except public administration) 5
Other services (except public administration)
5 establishments
- Retail trade 4
Retail trade
4 establishments
- Health care and social assistance 4
Health care and social assistance
4 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, 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
Who lives in ZIP 12170?
37.5
Median Age
48.5%
Male
51.5%
Female
3.3%
Foreign-Born
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 ZIP avg
$47,806
Per Capita Income
8.6%
Poverty Rate
6.0%
Unemployment Rate
26.7 min
Mean Commute Time
How ZIP 12170 ranks among New York ZIPs
Stillwater, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$102,857 Top 29% higher than 71% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,317housing units
2,317
Total Housing Units
2,116
Occupied Units
201
Vacant Units
2.53
Avg Household Size
Occupancy Type
$271,600
Median Home Value
-28% vs state ZIP avg
$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.
- 12065
Clifton Park (12065)
41,776 residents
- 12866
Saratoga Springs (12866)
36,915 residents
- 12118 13,897
Mechanicville (12118)
13,897 residents
- 12170 4,945
Stillwater (12170)
4,945 residents
- 12871 4,084
Schuylerville (12871)
4,084 residents
- 12154 2,818
Schaghticoke (12154)
2,818 residents
- 12185 2,037
Valley Falls (12185)
2,037 residents
- 12151 708
Round Lake (12151)
708 residents
- 12884 486
Victory Mills (12884)
486 residents
What this shows Among its immediate neighbors, ZIP 12170 ranks #4 by population - useful context the national average alone can't give.
ZIP 12170 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12065
Clifton Park (12065)
$113,873 median income
- 12185
Valley Falls (12185)
$110,625 median income
- 12154
Schaghticoke (12154)
$106,136 median income
- 12170
Stillwater (12170)
$102,857 median income
- 12866
Saratoga Springs (12866)
$101,901 median income
- 12151
Round Lake (12151)
$98,309 median income
- 12871
Schuylerville (12871)
$96,024 median income
- 12118
Mechanicville (12118)
$92,710 median income
- 12884 $37,045
Victory Mills (12884)
$37,045 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12170, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,945 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Saratoga County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12170's numbers, next.
- See how ZIP 12170 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Stillwater, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.