Saratoga Springs, NY · standard
ZIP Code 12866
Saratoga County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 36,915
- 213/sq mi High-density area
- $101,901
- Median income Above-median income area
- $457,600
- Median home value Above-median home value
- 57.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Saratoga Springs pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 18%
- household income, US ZIPs
- Top 16%
- home value, US ZIPs
- 213
- people per sq mi
- 62%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12866 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 12866 (Saratoga Springs, NY) rose +4.2% from 2023 to 2024. The all-transactions index moved from 310.5 in 2023 to 323.6 in 2024 (2000 = 100).
ZIP code 12866 is a densely settled ZIP (a standard USPS delivery area) in Saratoga Springs, Saratoga County, New York, with 36,915 residents across 173.6 square miles, a density of 213 people per square mile, in the New York time zone.
ZIP 12866 lands in the middle-income range, with a median household income of $101,901 (10% above the average New York ZIP), while per-capita income is $65,644. The poverty rate is 8.4%, with unemployment at 2.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $457,600 (21% above the average New York ZIP), while 62.2% of occupied homes are owner-occupied and median rent is $1,488.
This is a highly-educated ZIP: 57.5% of adults hold a bachelor's degree or higher, the median age is 44.5, and the average commute is 27 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Saratoga County, so 12866 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 12866
Top 5 sectors by establishment count in Saratoga Springs, NY
Which industries have the most business establishments in ZIP 12866.
- Retail trade
Retail trade
228 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
226 establishments
- Accommodation and food services
Accommodation and food services
225 establishments
- Health care and social assistance
Health care and social assistance
197 establishments
- Other services (except public administration)
Other services (except public administration)
126 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 12866, Saratoga Springs, 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
36,915
Population
173.6
Area (sq mi)
213
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12866?
44.5
Median Age
48.7%
Male
51.3%
Female
5.4%
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?
$101,901
Median Household Income
+10% vs state ZIP avg
$65,644
Per Capita Income
8.4%
Poverty Rate
2.6%
Unemployment Rate
26.8 min
Mean Commute Time
How ZIP 12866 ranks nationally
Saratoga Springs, NY household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$101,901 Top 18% higher than 82% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
20,363housing units
20,363
Total Housing Units
18,248
Occupied Units
2,115
Vacant Units
2.03
Avg Household Size
Occupancy Type
$457,600
Median Home Value
+21% vs state ZIP avg
$1,488
Median Rent
1982
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
+4.2%
YoY Change (2024)
324
HPI Index (2000 = 100)
+224%
Total Change Since 2000
Home values in ZIP 12866 have increased 4.2% over the past year (2024). Since 2000, this ZIP has seen +224% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.0% | 232 |
| 2021 | +8.8% | 253 |
| 2022 | +12.3% | 284 |
| 2023 | +9.4% | 310 |
| 2024 | +4.2% | 324 |
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 1,585 business establishments in ZIP 12866, employing approximately 29,121 people with a combined annual payroll of $1,649,827,000.
1,585
Businesses
29,121
Employees
$1.6B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 228 | 14.4% |
| Professional, scientific, and technical services | 226 | 14.3% |
| Accommodation and food services | 225 | 14.2% |
| Health care and social assistance | 197 | 12.4% |
| Other services (except public administration) | 126 | 8.0% |
| Finance and insurance | 116 | 7.3% |
| Real estate and rental and leasing | 96 | 6.1% |
| Construction | 90 | 5.7% |
| Arts, entertainment, and recreation | 69 | 4.3% |
| Administrative and support and waste management and remediation services | 65 | 4.1% |
| Wholesale trade | 38 | 2.4% |
| Information | 29 | 1.8% |
| Manufacturing | 28 | 1.8% |
| Educational services | 21 | 1.3% |
| Transportation and warehousing | 15 | 0.9% |
| Management of companies and enterprises | 9 | 0.6% |
| Agriculture, forestry, fishing and hunting | 3 | 0.2% |
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 12866 vs 12871 →
ZIP 12866 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12866
Saratoga Springs (12866)
36,915 residents
- 12020
Ballston Spa (12020)
31,192 residents
- 12831
Gansevoort (12831)
17,416 residents
- 12019 14,740
Ballston Lake (12019)
14,740 residents
- 12170 4,945
Stillwater (12170)
4,945 residents
- 12833 4,401
Greenfield Center (12833)
4,401 residents
- 12871 4,084
Schuylerville (12871)
4,084 residents
- 12154 2,818
Schaghticoke (12154)
2,818 residents
- 12151 708
Round Lake (12151)
708 residents
What this shows Among its immediate neighbors, ZIP 12866 ranks the most populous - useful context the national average alone can't give.
ZIP 12866 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12019
Ballston Lake (12019)
$112,420 median income
- 12020
Ballston Spa (12020)
$107,112 median income
- 12154
Schaghticoke (12154)
$106,136 median income
- 12170
Stillwater (12170)
$102,857 median income
- 12833
Greenfield Center (12833)
$102,832 median income
- 12866
Saratoga Springs (12866)
$101,901 median income
- 12831
Gansevoort (12831)
$100,024 median income
- 12151
Round Lake (12151)
$98,309 median income
- 12871
Schuylerville (12871)
$96,024 median income
What this shows By household income, ZIP 12866 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12871 | Schuylerville, NY | 4,084 | 6.5 mi |
| 12170 | Stillwater, NY | 4,945 | 6.4 mi |
| 12884 | Victory Mills, NY | 486 | 7.6 mi |
| 12833 | Greenfield Center, NY | 4,401 | 6.9 mi |
| 12831 | Gansevoort, NY | 17,416 | 9.0 mi |
| 12151 | Round Lake, NY | 708 | 10.4 mi |
| 12020 | Ballston Spa, NY | 31,192 | 8.0 mi |
| 12154 | Schaghticoke, NY | 2,818 | 11.6 mi |
| 12019 | Ballston Lake, NY | 14,740 | 12.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12866, 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 (36,915 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 12866 in?
ZIP code 12866 (Saratoga Springs) 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 12866?
ZIP code 12866 in Saratoga Springs, NY has a population of 36,915 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12866?
The median household income in ZIP 12866 is $101,901, which is 34% above the national average of $76,288.
What is the average home value in ZIP 12866?
The median home value in ZIP 12866 is $457,600, which is 65% above the national average of $278,155.
What is the demographic makeup of ZIP 12866?
The largest racial group in ZIP 12866 is White at 86.8%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 12866?
ZIP code 12866 has 1,585 business establishments employing approximately 29,121 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12866?
The top industries by establishment count in ZIP 12866 are: Retail trade (228), Professional, scientific, and technical services (226), Accommodation and food services (225). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 12866?
According to the FHFA House Price Index, home values in ZIP 12866 increased by 4.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 224%. 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 12866?
In ZIP code 12866, 77.5% of residents aged 25+ have a high school diploma or higher, and 57.5% 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 12866?
The mean commute time for workers in ZIP code 12866 is 26.8 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 12866?
In ZIP code 12866, approximately 62.2% of occupied housing units are owner-occupied and 37.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12866?
The poverty rate in ZIP code 12866 is 8.4% 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 12866's numbers, next.
- See how ZIP 12866 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saratoga Springs, 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.