12188 ZIP Code
Waterford, New york
December 29, 2025
| ZIP Code: | 12188 |
| City/Town: | Waterford |
| County: | Saratoga |
| State: | New york |
| ZIP Type: | Standard |
| Population: | 11,615 |
| Median Household Income: | $83,496 |
| Per Capita Income: | $46,507 |
| Total Housing Units: | 5,464 |
| Median Home Value: | $270,700 |
| Land Area: | 13.0 sq miles
33.7 sq km |
| Water Area: | 1.1 sq miles
2.8 sq km |
| Coordinates: | 42.8212, -73.6955 |
Population Information (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 11,615 | -- | -- |
| Male: | 5,692 | 49.0% | 49.6% |
| Female: | 5,923 | 51.0% | 50.4% |
| Median Age: | 44.4 yrs | -- | 38.5 yrs |
| Under 5 years: | 465 | 4.0% | 5.7% |
| 5 to 9 years: | 576 | 5.0% | 6.0% |
| 10 to 14 years: | 696 | 6.0% | 6.5% |
| 15 to 19 years: | 403 | 3.5% | 6.6% |
| 20 to 24 years: | 559 | 4.8% | 6.7% |
| 25 to 34 years: | 1,533 | 13.2% | 13.7% |
| 35 to 44 years: | 1,750 | 15.1% | 12.9% |
| 45 to 54 years: | 1,424 | 12.3% | 12.4% |
| 55 to 59 years: | 957 | 8.2% | 6.5% |
| 60 to 64 years: | 980 | 8.4% | 6.4% |
| 65 to 74 years: | 1,336 | 11.5% | 9.7% |
| 75 to 84 years: | 585 | 5.0% | 4.8% |
| 85 years and over: | 351 | 3.0% | 2.0% |
Housing Information (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $270,700 | -- | $281,900 |
| Median rooms: | 5.9 | -- | 5.5 |
| Median rent: | $1,103 / mo. | -- | $1,268 / mo. |
| Total housing units: | 5,464 | -- | -- |
| Occupied housing units: | 5,011 | 91.7% | 38.0% |
| Vacant housing units: | 453 | 8.3% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,509 | 70.0% | 64.8% |
| Renter-occupied: | 1,502 | 30.0% | 35.2% |
Educational Attainment (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 8,916 | -- | -- |
| Less than 9th grade: | 191 | 2.1% | 4.7% |
| 9th to 12th grade, no diploma: | 327 | 3.7% | 6.1% |
| High school graduate: | 2,392 | 26.8% | 26.4% |
| Some college, no degree: | 1,755 | 19.7% | 19.7% |
| Associate degree: | 1,206 | 13.5% | 8.7% |
| Bachelor's degree: | 1,956 | 21.9% | 20.9% |
| Graduate or professional degree: | 1,089 | 12.2% | 13.7% |
| Percent high school graduate or higher: | -- | 94.2% | 89.1% |
| Percent bachelor's degree or higher: | -- | 34.2% | 34.3% |
Income Information (12188 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $83,496 / yr. | $75,149 / yr. |
| Mean household income: | $103,876 / yr. | $105,833 / yr. |
| Median family income: | $115,304 / yr. | $92,646 / yr. |
| Per capita income: | $46,507 / yr. | $41,261 / yr. |
Employment (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 6,675 | -- | 63.5% |
| Employed: | 6,358 | 96.0% | 96.4% |
| Unemployed: | 268 | 4.0% | 5.3% |
| Not in labor force: | 3,181 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 4,230 | 66.5% | 79.7% |
| Government workers: | 1,797 | 28.3% | 14.2% |
| Self-employed: | 331 | 5.2% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 10,734 | 92.4% | 61.6% |
| Black or African American: | 89 | 0.8% | 12.4% |
| American Indian/Alaska Native: | 147 | 1.3% | 1.1% |
| Asian: | 167 | 1.4% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 83 | 0.7% | 8.4% |
| Two or more races: | 395 | 3.4% | 10.2% |
| Hispanic or Latino (any race): | 289 | 2.5% | 18.7% |
| Mexican: | 483 | 4.2% | 11.2% |
| Puerto Rican: | 2 | 0.0% | 1.8% |
| Cuban: | 121 | 1.0% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 360 | 3.1% | 81.1% |
Income Distribution (12188 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 78 | 1.6% | 4.9% |
| $10,000 to $14,999: | 241 | 4.8% | 3.8% |
| $15,000 to $24,999: | 223 | 4.5% | 7.0% |
| $25,000 to $34,999: | 377 | 7.5% | 7.4% |
| $35,000 to $49,999: | 547 | 10.9% | 10.7% |
| $50,000 to $74,999: | 777 | 15.5% | 16.1% |
| $75,000 to $99,999: | 525 | 10.5% | 12.8% |
| $100,000 to $149,999: | 1,226 | 24.5% | 17.1% |
| $150,000 to $199,999: | 348 | 6.9% | 8.8% |
| $200,000 or more: | 669 | 13.4% | 11.4% |
Commute to Work (12188 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 5,179 | 81.5% | 67.8% |
| Carpooled: | 306 | 4.8% | 8.7% |
| Public transportation: | 9 | 0.1% | 4.2% |
| Walked: | 166 | 2.6% | 2.5% |
| Other means: | 8 | 0.1% | 0.9% |
| Worked from home: | 630 | 9.9% | 13.8% |
| Mean travel time to work: | 25.0 min | -- | 26.7 min |
Industry (12188 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 29 | 0.5% | 1.6% |
| Construction: | 414 | 6.5% | 6.9% |
| Manufacturing: | 484 | 7.6% | 10.0% |
| Wholesale trade: | 139 | 2.2% | 2.4% |
| Retail trade: | 588 | 9.2% | 11.0% |
| Transportation, warehousing, utilities: | 280 | 4.4% | 5.8% |
| Information: | 67 | 1.1% | 1.9% |
| Finance, insurance, real estate: | 589 | 9.3% | 6.7% |
| Professional, scientific, management: | 469 | 7.4% | 12.1% |
| Education, health care, social services: | 2,109 | 33.2% | 23.3% |
| Arts, entertainment, food services: | 469 | 7.4% | 9.0% |
| Other services: | 167 | 2.6% | 4.7% |
| Public administration: | 554 | 8.7% | 4.7% |
Poverty Status (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 4.2% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 11,071 | 95.3% | 91.3% |
| Private health insurance: | 9,282 | 79.9% | 67.6% |
| Public health coverage: | 3,737 | 32.2% | 35.9% |
| Without health insurance: | 495 | 4.3% | 8.7% |
Benefits & Assistance (12188 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 3,587 | 71.6% | 77.4% |
| Social Security income: | 1,836 | 36.6% | 31.0% |
| Retirement income: | 1,673 | 33.4% | 21.8% |
| Supplemental Security Income (SSI): | 226 | 4.5% | 4.5% |
| Cash public assistance income: | 98 | 2.0% | 1.8% |
| SNAP (food stamps) benefits: | 466 | 9.3% | 11.4% |
Housing Types (12188 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,071 | 56.2% | 61.4% |
| 1-unit, attached: | 237 | 4.3% | 6.1% |
| 2 units: | 1,072 | 19.6% | 3.4% |
| 3 or 4 units: | 611 | 11.2% | 4.3% |
| 5 to 9 units: | 185 | 3.4% | 4.6% |
| 10 to 19 units: | 59 | 1.1% | 4.3% |
| 20 or more units: | 118 | 2.2% | 9.9% |
| Mobile home: | 111 | 2.0% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (12188 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 292 | 5.3% | 8.2% |
| Built 2000 to 2009: | 337 | 6.2% | 13.5% |
| Built 1990 to 1999: | 351 | 6.4% | 13.2% |
| Built 1980 to 1989: | 1,156 | 21.2% | 13.2% |
| Built 1970 to 1979: | 405 | 7.4% | 14.6% |
| Built 1960 to 1969: | 693 | 12.7% | 10.2% |
| Built 1950 to 1959: | 360 | 6.6% | 9.9% |
| Built 1940 to 1949: | 173 | 3.2% | 4.6% |
| Built 1939 or earlier: | 1,697 | 31.1% | 12.0% |
Bedrooms (12188 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 55 | 1.0% | 2.4% |
| 1 bedroom: | 517 | 9.5% | 3.0% |
| 2 bedrooms: | 1,740 | 31.8% | 9.1% |
| 3 bedrooms: | 1,979 | 36.2% | 15.9% |
| 4 bedrooms: | 892 | 16.3% | 18.8% |
| 5 or more bedrooms: | 281 | 5.1% | 17.6% |
Heating Fuel (12188 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 3,985 | 79.5% | 47.1% |
| Bottled, tank, or LP gas: | 140 | 2.8% | 4.9% |
| Electricity: | 658 | 13.1% | 40.2% |
| Fuel oil, kerosene, etc.: | 214 | 4.3% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 0 | 0.0% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 8 | 0.2% | 0.5% |
| No fuel used: | 6 | 0.1% | 0.2% |
Vehicles Available (12188 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 455 | 9.1% | 8.3% |
| 1 vehicle available: | 1,516 | 30.3% | 32.6% |
| 2 vehicles available: | 2,216 | 44.2% | 37.0% |
| 3 or more vehicles available: | 824 | 16.4% | 22.1% |
Home Value Distribution (12188 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 55 | 1.6% | 5.7% |
| $50,000 to $99,999: | 38 | 1.1% | 7.8% |
| $100,000 to $149,999: | 263 | 7.5% | 9.2% |
| $150,000 to $199,999: | 343 | 9.8% | 10.8% |
| $200,000 to $299,999: | 1,609 | 45.9% | 19.9% |
| $300,000 to $499,999: | 890 | 25.4% | 24.1% |
| $500,000 to $999,999: | 274 | 7.8% | 17.0% |
| $1,000,000 or more: | 37 | 1.1% | 5.6% |
Housing Costs (12188 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,887 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $642 / mo. | $584 / mo. |
| Median gross rent: | $1,103 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.49 | 2.53 |
| Average household size (renter-occupied): | 1.90 | 2.38 |
Households (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 5,011 | -- | -- |
| Married-couple households: | 2,240 | 44.7% | 47.5% |
| Cohabiting couple households: | 807 | 16.1% | 7.0% |
| Male householder, no spouse: | 829 | 16.5% | 5.4% |
| Female householder, no spouse: | 1,522 | 30.4% | 12.7% |
| Householder living alone: | 1,351 | 27.0% | 28.6% |
| 65 years and over living alone: | 1,795 | 35.8% | 11.8% |
| Average household size: | 2.31 | -- | 2.53 |
| Average family size: | 2.83 | -- | -- |
Marital Status (12188 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,625 | -- | -- |
| Never married: | 1,312 | 28.4% | 37.0% |
| Now married: | 2,510 | 54.3% | 49.5% |
| Separated: | 318 | 6.9% | 1.5% |
| Widowed: | 438 | 9.5% | 2.6% |
| Divorced: | 1,423 | 30.8% | 9.3% |
School Enrollment (12188 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 1,970 | -- | -- |
| Nursery school, preschool: | 102 | 5.2% | 5.8% |
| Kindergarten: | 128 | 6.5% | 5.0% |
| Elementary school (grades 1-8): | 1,010 | 51.3% | 40.5% |
| High school (grades 9-12): | 473 | 24.0% | 21.4% |
| College or graduate school: | 257 | 13.0% | 27.3% |
Veterans & Disability (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 9,498 | -- | -- |
| Veterans: | 842 | 8.9% | 6.3% |
| Civilian noninstitutionalized population: | 11,566 | -- | -- |
| With a disability: | 1,602 | 13.9% | 13.4% |
| Under 18 with disability: | 85 | 5.3% | 5.8% |
| 18 to 64 with disability: | 791 | 49.4% | 10.4% |
| 65 and over with disability: | 726 | 45.3% | 33.4% |
Mobility (Residence 1 Year Ago) (12188 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 10,418 | 89.7% | 86.9% |
| Different house: | 1,028 | 8.9% | 13.1% |
| Same county: | 259 | 25.2% | 7.0% |
| Different county: | 769 | 74.8% | 3.2% |
| Different state: | 132 | 12.8% | 2.5% |
| Abroad: | 0 | 0.0% | 0.4% |
Place of Birth (12188 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 11,085 | 95.4% | 86.2% |
| Foreign born: | 150 | 1.3% | 13.9% |
| Naturalized citizen: | 530 | 353.3% | 52.7% |
| Not a citizen: | 530 | 353.3% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 530 | 353.3% | 10.5% |
| Asia: | 216 | 144.0% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 105 | 70.0% | 50.0% |
| Northern America: | 61 | 40.7% | 2.2% |
Language Spoken at Home (12188 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 11,150 | -- | -- |
| English only: | 10,680 | 95.8% | 78.3% |
| Language other than English: | 470 | 4.2% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 89 | 0.8% | 13.3% |
| Other Indo-European languages: | 305 | 2.7% | 3.5% |
| Asian/Pacific Island languages: | 60 | 0.5% | 3.5% |
| Other languages: | 16 | 0.1% | 1.0% |
Computers & Internet (12188 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 5,011 | 100.0% | 93.1% |
| Households with broadband internet: | 4,583 | 91.5% | 89.4% |
Waterford, NY12188