12074 ZIP Code — Galway, NY

Saratoga County, New York

ZIP code 12074 is located in Galway, New York, within Saratoga County. It covers approximately 34.32 square miles and serves a population of 2,956 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12074

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $249,500. Owner-occupancy is high at 91%, well above the national average.

Median household income is $82,841. 38% 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 27 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 12074 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

2,956

population

34.32

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12074 ZIP code map

Cities in ZIP code 12074

Below are the cities the US Postal Service accepts for ZIP code 12074. Using any city not on this list may result in mail delivery delays.

City	Status
Galway	Acceptable
Galway	Preferred

Nearby ZIP codes

12086 Hagaman (5.1 mi) 12850 Middle Grove (5.2 mi) 12863 Rock City Falls (5.9 mi) 12025 Broadalbin (6 mi) 12020 Ballston Spa (9.3 mi) 12010 Amsterdam (9.7 mi) 12019 Ballston Lake (10.3 mi) 12859 Porter Corners (10.7 mi) 12027 Burnt Hills (10.7 mi) 12070 Fort Johnson (11.1 mi) 12302 Schenectady (11.7 mi) 12150 Rotterdam Junction (12 mi)

Demographics updated 05/2026

Population
Total population	2,956
Population density	86 / sq mi
State FIPS	36
County FIPS	091

Geography
Land area	34.32 sq mi
Water area	0.13 sq mi
Latitude	43.0457
Longitude	-74.0434
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	31.5%	27.6%	37.0%
$50k – $100k	28.3%	30.1%	27.0%
$100k – $200k	34.5%	32.0%	24.4%
Over $200k	5.7%	10.3%	11.5%

Demographics & statistics

2,956

Population

People per sq mi

40.7

Median age

$82,841

Median household income

$36,836

Per capita income

$249,500

Median home value

$1,200

Median monthly rent

91.0%

Home ownership

15.2%

Poverty rate

2.9%

Unemployment

1,279

Housing units

28.5%

Bachelor's or higher

Age distribution

Male Female

108

Under 5

5–9

10–14

166

15–19

137

20–24

286

25–34

235

105

35–44

201

45–54

165

168

55–59

139

109

60–64

235

65–74

194

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	605	20.5%
18 and over	2,351	79.5%
65 and over	553	18.7%
Median age	40.7 years

Race & ethnicity

White 97.7%

Asian 1.3%

Two or more races 1%

Group	Count	%
White	2,888	97.7%
Asian	38	1.3%
Two or more races	30	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.5%	27.6%	37.0%
$50k – $100k	28.3%	30.1%	27.0%
$100k – $200k	34.5%	32.0%	24.4%
Over $200k	5.7%	10.3%	11.5%

Under $10k 2.8%

$10k–$15k 9.4%

$15k–$25k 6.1%

$25k–$35k 3.3%

$35k–$50k 12.8%

$50k–$75k 12.0%

$75k–$100k 11.7%

$100k–$150k 18.5%

$150k–$200k 15.2%

$200k+ 8.5%

Range	% of households
Under $10k	2.8%
$10k–$15k	9.4%
$15k–$25k	6.1%
$25k–$35k	3.3%
$35k–$50k	12.8%
$50k–$75k	12.0%
$75k–$100k	11.7%
$100k–$150k	18.5%
$150k–$200k	15.2%
$200k+	8.5%
Median income	$82,841

Housing

Home values

Under $50k 2.1%

$50k–$100k 9.4%

$100k–$150k 2.4%

$150k–$200k 16.4%

$200k–$300k 38.2%

$300k–$500k 26.9%

$500k–$1M 4.7%

Housing overview

Metric	Value
Median home value	$249,500
Median rent / month	$1,200
Owner occupied	91.0%
Renter occupied	9.0%
Vacant	18.8%
Single-family detached	89.7%
Large apartment buildings	0.0%
Mobile homes	8.3%
Median rooms	6.1
Avg household size (owned)	2.67

Year built

Era	%
2020 or later	0.0%
2010–2019	2.1%
2000–2009	14.2%
1990–1999	22.1%
1980–1989	12.5%
1970–1979	10.5%
1960–1969	7.5%
1950–1959	7.2%
1940–1949	2.0%
1939 or earlier	21.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.9%
2 bedrooms	13.8%
3 bedrooms	57.7%
4 bedrooms	13.1%
5+ bedrooms	10.5%

Vehicles per household

Vehicles	% of households
No vehicle	1.6%
1 vehicle	18.9%
2 vehicles	48.0%
3 or more	31.5%

Heating fuel

Fuel type	%
Utility gas	0.7%
Electricity	2.4%
Propane / LP gas	24.9%
Fuel oil	42.0%
Wood	23.8%
Solar	0.6%

Households & families

Household type	Count	%
Married-couple family	798	71.2%
Cohabiting couple	56	5.0%
Male householder, no spouse	178	15.9%
Female householder, no spouse	89	7.9%
Households with children under 18	372	33.2%
Households with seniors (65+)	378	33.7%
Average household size	2.64

Marital status

Status	Male	Female
Never married	25.1%	22.8%
Married	60.8%	66.2%
Separated	4.1%	1.7%
Widowed	0.2%	2.4%
Divorced	9.8%	7.0%

Education

Less than 9th grade 0.7%

Some HS, no diploma 7.9%

HS graduate 31.6%

Some college, no degree 22.4%

Associate's degree 9.0%

Bachelor's degree 16.4%

Graduate / professional 12.0%

Metric	%
HS diploma or higher	91.5%
Bachelor's or higher	28.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	56	8.4%
Kindergarten	38	5.7%
Elementary school	207	31.0%
High school	143	21.4%
College / grad school	223	33.4%

Employment

Industry of employment

Education & healthcare 26.6%

Retail trade 12.5%

Public administration 12.3%

Professional & management 9.5%

Construction 8.9%

Transportation & utilities 8.9%

Manufacturing 8.3%

Finance & real estate 4.8%

Other services 2.8%

Information 2.0%

Arts, food & hospitality 2.0%

Wholesale trade 1.4%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	33.4%
Service	19.2%
Sales & office	14.9%
Natural resources & construction	10.3%
Production & transportation	22.2%

Employment type

Type	%
Private sector	62.2%
Government	31.3%
Self-employed	6.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.1%
Carpool	4.9%
Public transit	0.0%
Walk	0.3%
Work from home	8.6%
Other means	0.1%
Avg commute (minutes)	26.6

Poverty

All people 15.2%

Under 18 years 22.2%

18 and over 13.4%

Married-couple families 16.9%

Female-led households 45.7%

Income support

Source	% of households
Social Security	38.0%
Retirement income	31.8%
Supplemental Security	1.4%
Cash public assistance	0.4%
Food stamps / SNAP	2.9%

Health indicators

Condition	%
Obesity	28.4%
High blood pressure	31.4%
High cholesterol	33.4%
Diabetes	7.9%
Heart disease	5.9%
Stroke	2.5%
Asthma	9.7%
Arthritis	23.2%
Kidney disease	2.6%
Pulmonary disease	6.2%
Cancer	7.0%

Behavior / access	%
Smoking	17.5%
Binge drinking	18.7%
No physical activity	21.1%
Less than 7 hrs sleep	32.2%
Depression	19.6%
Fair or poor health	10.3%
Poor mental health	13.1%
Poor physical health	9.1%
No health insurance	8.9%
Visited doctor (checkup)	78.1%
Visited dentist	70.0%
Cholesterol screening	92.3%
Teeth loss	10.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	289	12.5%

Disability	%
Any disability	9.0%
Under 18	3.1%
18–64 years	7.1%
65 and over	21.7%

Health insurance coverage

Type	%
Private insurance	70.8%
Public insurance	41.5%
No insurance	3.4%
Uninsured under 19	0.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,759	93.3%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,935	99.3%
Born in same state	2,930	99.1%
Born in different state	2,477	83.8%
Foreign born	5	0.2%
Naturalized citizen	21	0.7%
Not a US citizen	5	23.8%

Ancestry

Ancestry	Count	%
Italian	887	30%
French	506	17.1%
Arab	259	8.8%
English	100	3.4%

Ancestry	Count	%
Norwegian	45	1.5%
German	42	1.4%
Polish	15	0.5%
Irish	1	0%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	96.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 12074

What city is ZIP code 12074 in?

ZIP code 12074 is primarily assigned to Galway, New York.

What county is ZIP code 12074 in?

ZIP code 12074 falls within Saratoga County, New York.

Is ZIP code 12074 mostly owner-occupied?

91% of occupied units in ZIP code 12074 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 12074?

15% of residents in ZIP code 12074 live below the poverty line, above the national average.

Does ZIP code 12074 have a large veteran population?

13% of civilians in ZIP code 12074 are veterans, above the national average of ~7%.

Does ZIP code 12074 have a large retiree population?

38% of households in ZIP code 12074 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 12074 in?

ZIP code 12074 observes the EST timezone.