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ZIP 12188 · Waterford

Who lives in ZIP code 12188 (Waterford, NY): age, income, housing, education and work.

Source: uszips 2026 (ACS-based ZIP file)

2026 ZIP profile

Waterford, NY · Saratoga County

uszips 2026
People10,988
Median age46.1
Household income$92,279
Home value$270,361
Median rent$1,134/mo
Poverty6.6%
College degree+32.1%
Commute23 min

Place

Metro area
Albany-Schenectady-Troy, NY
Wider region
Albany-Schenectady, NY
Time zone
Eastern
Density
327 / sq mi
Housing units
4,880

County

Saratoga100%

Share of the ZIP's people in each county.

Age mix

Under 108.4%
10–1910.4%
20s10.6%
30s12.5%
40s11.8%
50s13.6%
60s18.1%
70s9.3%
80+5.4%

22.6% are 65 or older; 82.2% are adults.

Household income

Under $25K10.4%
$25K–50K14.9%
$50K–75K15.9%
$75K–100K13.5%
$100K–150K22.7%
$150K+22.6%

45.3% of households earn $100K+. Median per person: $49,865.

Education (adults 25+)

Less than high school6.5%
High school28.7%
Some college32.7%
Bachelor's18.9%
Graduate13.2%

54.3% of degrees are in STEM fields.

Race

White84.3%
Black3.9%
Asian1.6%
Native American1.1%
Pacific Islander0.0%
Other3.6%
Two or more5.5%

7.4% Hispanic or Latino (of any race).

Households & family

Married
50.4%
Never married
26.6%
Divorced
15.9%
Widowed
7.1%
Family size
2.83
Dual-income families
58.8%

Housing

Own their home
73.8%
Rent burden
23.0%
Men / women
52% / 48%

Work

In labor force
63.9%
Unemployment
4.4%
Self-employed
8.3%
Farmers
0.0%

Community

Charitable givers
25.8%
Veterans
6.8%
With a disability
13.1%
No health insurance
1.8%
Limited English
0.8%

Source: uszips 2026 (ACS-based ZIP file). Shares are percentages of people, households or adults as the measure implies.

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