12020 ZIP Code — Ballston Spa, NY
Saratoga County, New York
ZIP code 12020 is located in Ballston Spa, New York, within Saratoga County. It covers approximately 75.56 square miles and serves a population of 34,571 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.
About ZIP code 12020
The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $283,500. Owner-occupancy sits near the national average at 71%.
Median household income is $100,653. The poverty rate of 6% is below the national average. 33% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.
Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.
34,571
population
75.56
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12020 ZIP code map
Cities in ZIP code 12020
Below are the cities the US Postal Service accepts for ZIP code 12020. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Ballston Spa | Acceptable |
| Ballston Spa | Preferred |
Nearby ZIP codes
12863 Rock City Falls (4.9 mi)
12019 Ballston Lake (5.2 mi)
12027 Burnt Hills (5.9 mi)
12866 Saratoga Springs (6.6 mi)
12151 Round Lake (7.1 mi)
12850 Middle Grove (8.5 mi)
12118 Mechanicville (9.2 mi)
12074 Galway (9.3 mi)
12833 Greenfield Center (10.5 mi)
12170 Stillwater (10.6 mi)
12302 Schenectady (10.6 mi)
12065 Clifton Park (11.2 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 34,571 |
| Population density | 458 / sq mi |
| State FIPS | 36 |
| County FIPS | 091 |
| Geography | |
|---|---|
| Land area | 75.56 sq mi |
| Water area | 0.19 sq mi |
| Latitude | 43.0044 |
| Longitude | -73.8680 |
| Timezone | Eastern (ET) |
| Area code | 518 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 28.5% | 27.6% | 37.0% |
| $50k – $100k | 30.8% | 30.1% | 27.0% |
| $100k – $200k | 33.8% | 32.0% | 24.4% |
| Over $200k | 6.9% | 10.3% | 11.5% |
Demographics & statistics
34,571
Population
458
People per sq mi
42.3
Median age
$100,653
Median household income
$48,554
Per capita income
$283,500
Median home value
$1,490
Median monthly rent
71.0%
Home ownership
6.2%
Poverty rate
3.9%
Unemployment
11,622
Housing units
41.9%
Bachelor's or higher
Age distribution
Male
Female
549
Under 5
538
1,199
5–9
1,175
1,021
10–14
1,000
942
15–19
923
1,251
20–24
1,227
2,035
25–34
1,995
2,399
35–44
2,351
2,496
45–54
2,447
1,161
55–59
1,139
1,321
60–64
1,295
1,883
65–74
1,847
804
75–84
789
396
85+
388
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 6,680 | 19.3% |
| 18 and over | 27,891 | 80.7% |
| 65 and over | 6,107 | 17.7% |
| Median age | 42.3 years | |
Race & ethnicity
White
89.1%
Two or more races
3.3%
Hispanic or Latino
2.7%
Asian
2.3%
Black or African American
1.7%
Other race
0.9%
| Group | Count | % |
|---|---|---|
| White | 31,661 | 89.1% |
| Two or more races | 1,166 | 3.3% |
| Hispanic or Latino | 951 | 2.7% |
| Asian | 806 | 2.3% |
| Black or African American | 621 | 1.7% |
| Other race | 304 | 0.9% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 28.5% | 27.6% | 37.0% |
| $50k – $100k | 30.8% | 30.1% | 27.0% |
| $100k – $200k | 33.8% | 32.0% | 24.4% |
| Over $200k | 6.9% | 10.3% | 11.5% |
Under $10k
1.2%
$10k–$15k
2.7%
$15k–$25k
4.3%
$25k–$35k
4.8%
$35k–$50k
8.1%
$50k–$75k
14.3%
$75k–$100k
14.0%
$100k–$150k
22.2%
$150k–$200k
16.4%
$200k+
12.0%
| Range | % of households |
|---|---|
| Under $10k | 1.2% |
| $10k–$15k | 2.7% |
| $15k–$25k | 4.3% |
| $25k–$35k | 4.8% |
| $35k–$50k | 8.1% |
| $50k–$75k | 14.3% |
| $75k–$100k | 14.0% |
| $100k–$150k | 22.2% |
| $150k–$200k | 16.4% |
| $200k+ | 12.0% |
| Median income | $100,653 |
Housing
Home values
Under $50k
8.7%
$50k–$100k
4.6%
$100k–$150k
3.6%
$150k–$200k
6.2%
$200k–$300k
31.9%
$300k–$500k
33.8%
$500k–$1M
10.3%
$1M+
0.8%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $283,500 |
| Median rent / month | $1,490 |
| Owner occupied | 71.0% |
| Renter occupied | 29.0% |
| Vacant | 9.3% |
| Single-family detached | 53.3% |
| Large apartment buildings | 8.8% |
| Mobile homes | 11.2% |
| Median rooms | 5.9 |
| Avg household size (owned) | 2.53 |
Year built
| Era | % |
|---|---|
| 2020 or later | 1.4% |
| 2010–2019 | 14.3% |
| 2000–2009 | 14.7% |
| 1990–1999 | 14.7% |
| 1980–1989 | 18.5% |
| 1970–1979 | 8.0% |
| 1960–1969 | 7.8% |
| 1950–1959 | 4.3% |
| 1940–1949 | 1.2% |
| 1939 or earlier | 15.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.0% |
| 1 bedroom | 10.2% |
| 2 bedrooms | 28.5% |
| 3 bedrooms | 41.0% |
| 4 bedrooms | 16.9% |
| 5+ bedrooms | 2.3% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.5% |
| 1 vehicle | 33.7% |
| 2 vehicles | 41.8% |
| 3 or more | 20.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 62.5% |
| Electricity | 15.1% |
| Propane / LP gas | 9.4% |
| Fuel oil | 9.8% |
| Wood | 1.2% |
| Solar | 0.1% |
| No fuel used | 0.1% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 7,353 | 51.4% |
| Cohabiting couple | 1,531 | 10.7% |
| Male householder, no spouse | 2,302 | 16.1% |
| Female householder, no spouse | 3,122 | 21.8% |
| Households with children under 18 | 3,745 | 26.2% |
| Households with seniors (65+) | 4,192 | 29.3% |
| Average household size | 2.38 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 34.1% | 22.8% |
| Married | 53.7% | 51.7% |
| Separated | 0.9% | 1.5% |
| Widowed | 2.3% | 9.5% |
| Divorced | 9.0% | 14.5% |
Education
Less than 9th grade
1.5%
Some HS, no diploma
4.4%
HS graduate
25.2%
Some college, no degree
15.4%
Associate's degree
11.5%
Bachelor's degree
23.1%
Graduate / professional
18.8%
| Metric | % |
|---|---|
| HS diploma or higher | 94.0% |
| Bachelor's or higher | 41.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 238 | 3.3% |
| Kindergarten | 477 | 6.6% |
| Elementary school | 3,521 | 48.4% |
| High school | 1,548 | 21.3% |
| College / grad school | 1,496 | 20.5% |
Employment
Industry of employment
Education & healthcare
22.5%
Manufacturing
10.9%
Retail trade
10.7%
Professional & management
10.1%
Arts, food & hospitality
7.8%
Finance & real estate
7.2%
Public administration
7.1%
Transportation & utilities
7.0%
Other services
5.1%
Construction
4.7%
Wholesale trade
2.9%
Information
2.9%
Agriculture & mining
1.0%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 51.0% |
| Service | 13.4% |
| Sales & office | 18.9% |
| Natural resources & construction | 5.1% |
| Production & transportation | 11.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 76.7% |
| Government | 17.5% |
| Self-employed | 5.8% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 79.8% |
| Carpool | 5.6% |
| Public transit | 1.1% |
| Walk | 0.5% |
| Work from home | 12.2% |
| Other means | 0.8% |
| Avg commute (minutes) | 24.5 |
Poverty
All people
6.2%
Under 18 years
7.7%
18 and over
5.8%
Married-couple families
1.8%
Female-led households
7.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 33.1% |
| Retirement income | 32.1% |
| Supplemental Security | 2.4% |
| Cash public assistance | 2.3% |
| Food stamps / SNAP | 6.6% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 27.8% |
| High blood pressure | 29.1% |
| High cholesterol | 30.9% |
| Diabetes | 7.2% |
| Heart disease | 5.3% |
| Stroke | 2.3% |
| Asthma | 9.8% |
| Arthritis | 21.5% |
| Kidney disease | 2.4% |
| Pulmonary disease | 5.7% |
| Cancer | 6.6% |
| Behavior / access | % |
|---|---|
| Smoking | 16.9% |
| Binge drinking | 19.4% |
| No physical activity | 20.3% |
| Less than 7 hrs sleep | 32.2% |
| Depression | 19.8% |
| Fair or poor health | 9.7% |
| Poor mental health | 13.3% |
| Poor physical health | 8.5% |
| No health insurance | 9.0% |
| Visited doctor (checkup) | 77.2% |
| Visited dentist | 70.0% |
| Cholesterol screening | 91.4% |
| Teeth loss | 10.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,786 | 6.4% |
| Disability | % |
|---|---|
| Any disability | 11.5% |
| Under 18 | 6.2% |
| 18–64 years | 8.2% |
| 65 and over | 29.4% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 80.7% |
| Public insurance | 33.6% |
| No insurance | 2.4% |
| Uninsured under 19 | 0.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 33,484 | 96.9% |
| Spanish | 551 | 1.6% |
| Other Indo-European | 51 | 0.2% |
| Asian & Pacific Islander | 249 | 0.7% |
| Other languages | 219 | 0.7% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 33,043 | 95.6% |
| Born in same state | 32,535 | 94.1% |
| Born in different state | 26,454 | 76.5% |
| Foreign born | 508 | 1.5% |
| Naturalized citizen | 1,528 | 4.4% |
| Not a US citizen | 974 | 63.7% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 8,466 | 24.5% |
| French | 4,476 | 12.9% |
| Arab | 1,928 | 5.6% |
| English | 870 | 2.5% |
| German | 742 | 2.1% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 459 | 1.3% |
| Irish | 158 | 0.5% |
| Norwegian | 58 | 0.2% |
| Dutch | 51 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 41.4% |
| Internet access | 95.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 12020
What city is ZIP code 12020 in?
ZIP code 12020 is primarily assigned to Ballston Spa, New York.
What county is ZIP code 12020 in?
ZIP code 12020 falls within Saratoga County, New York.
What is the population of ZIP code 12020?
ZIP code 12020 has an estimated population of 34,571 residents, with a density of 458 people per square mile.
What is the median household income in ZIP code 12020?
The median household income in ZIP code 12020 is $100,653, above the national median of ~$75,000.
What is the typical home value in ZIP code 12020?
The median home value in ZIP code 12020 is $283,500.
What timezone is ZIP code 12020 in?
ZIP code 12020 observes the EST timezone.