PlainZIP

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
$101,901
Median income
$457,600
Median home value
57.5%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $65,644. The poverty rate stands at 8.4% and the unemployment rate at 2.6%. The typical home here is valued at $457,600 (21% above the state average); renters pay a median of $1,488 monthly, and 62.2% of units are owner-occupied.

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. A geography-based comparison follows: 9 ZIP codes within about 10 miles of 12866, plus 6 more within Saratoga County, give a clearer read than the 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 12866

Top 5 sectors by establishment count in Saratoga Springs, NY

Which industries have the most business establishments in ZIP 12866.

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 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

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 12866?

44.5

Median Age

48.7%

Male

51.3%

Female

5.4%

Foreign-Born

White 86.8%
African American 2.1%
Asian 2.6%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.3%
Hispanic or Latino 5.4%

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?

$101,901

Median Household Income

+10% vs state

$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

$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 77.5%
Bachelor's Degree or Higher 57.5%

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

What does housing look like?

20,363

Total Housing Units

18,248

Occupied Units

2,115

Vacant Units

2.03

Avg Household Size

Occupancy Type

Owner 62.2%
Renter 37.8%

$457,600

Median Home Value

+21% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 12866 ranks the most populous - useful context the national average alone can't give.

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

ZIP 12866 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 12866 ranks #6 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
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

More ZIP Codes in Saratoga County

12065 standard
Clifton Park, NY
Pop: 41,776
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
12188 standard
Waterford, NY
Pop: 10,980

Related Areas

Saratoga County Saratoga Springs, NY New York

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.

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