Residential delivery area · New York
ZIP Code 12188: Waterford, NY
ZIP code 12188 uses the postal name Waterford, New York and lies entirely in Saratoga County (Census 2020 ZIP-county file). About 11,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $92,279 (Census Bureau, ACS 2020-2024). By Census place, 2% of its land lies in Waterford; 98% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Waterford · its only residential ZIP
- County
- Saratoga County
- Census places
- Waterford
- Metro area
- Albany-Schenectady-Troy, NY
- House district
- NY-20 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 13.0 sq mi · 845 people per sq mi
Where is ZIP code 12188?
12188 centers on 42.821°, -73.696° and covers 13.0 square miles of land plus 1.1 of water. It borders 5 ZIP codes: 12047, 12182, 12121, 12065, 12118.
The map draws ZIP code areas only. For the streets inside 12188, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 12188 compare with the rest of Saratoga County?
| Measure | 12188 | In Saratoga County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 10,988 | 9th of 27 | 492nd of 1,826 |
| Median household income | $92k | 13th of 22 | 435th of 1,081 |
| Median home value | $281k | 12th of 23 | 588th of 1,172 |
Its median household income is higher than in 75% of U.S. residential ZIP codes, and it is denser than 77% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 12188?
The 2020 Census counted 11,035 people in 12188; the ACS, which samples households over 2020-2024, estimates 10,988. Between the 2010 and 2020 censuses its population grew 0.5% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 10,988
- 2020 Census count
- 11,035+0.5% since 2010 (10,980)
- Households
- 4,880
- Median age
- 46.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 12188?
Of the 10,988 people the ACS estimates in 12188, 17.8% are under 18 and 22.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (82.5%).
- Under 1817.8%
- 18 to 6459.6%
- 65 and older22.6%
- White, not Hispanic82.5%
- Hispanic or Latino7.4%
- Other or two or more4.5%
- Black, not Hispanic3.9%
- Asian, not Hispanic1.6%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 12188 earn?
Median household income is $92,279 (ACS 2020-2024), the 13th highest of the 22 ranked ZIP codes in Saratoga County. It is not measurably different from 2015-2019 ($86,292 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $92,279
- Income per person
- $47,551
- Below the poverty line
- 6.6%
- Unemployed (of the labor force)
- 4.4%
- Adults 25+ with a bachelor's degree
- 32.2%
- Adjusted gross income per tax return, 2022
- $84,0375,760 returns; wages 71% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 12188?
FHFA's house price index for 12188, built from repeat sales and appraisals of the same homes, rose 51% from 2015 to 2025 and rose 36% from 2020 to 2025, and moved −2.8% in 2025.
- Median home value (owners' estimate)
- $281,400
- Median gross rent
- $1,134
- Homes owned by their occupants
- 73.8%
- Housing units
- 5,167
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 12188?
148 business establishments had a location in this ZIP code in 2023, 15 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction32
- Retail trade19
- Administrative and support and waste management and remediation services16
- Health care and social assistance14
- Professional, scientific, and technical services11
- Accommodation and food services10
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 12188?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12047 | Cohoes | 23,532 | $66k | 3.0 mi |
| 12182 | Troy | 14,867 | $57k | 3.7 mi |
| 12121 | Melrose | 2,280 | $101k | 4.6 mi |
| 12065 | Clifton Park | 45,116 | $114k | 5.0 mi |
| 12118 | Mechanicville | 17,069 | $93k | 7.0 mi |
| 12183 | Troy | 2,970 | $59k | 5.1 mi (near) |
| 12189 | Watervliet | 18,656 | $65k | 6.0 mi (near) |
| 12110 | Latham | 20,081 | $105k | 6.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.