12866 ZIP Code — Saratoga Springs, NY

Saratoga County, New York

ZIP code 12866 is located in Saratoga Springs, New York, within Saratoga County. It covers approximately 64.32 square miles and serves a population of 38,813 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12866

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $399,300. Owner-occupancy sits near the national average at 63%.

The gap between median ($96,678) and mean household income suggests income inequality — a small number of higher earners pull the average up. 36% 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 26 minutes is near the national average.

Educational attainment is high — 55% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 12866 reflects a community defined by a highly educated population and a significant Social Security-dependent population.

38,813

population

64.32

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12866 ZIP code map

Cities in ZIP code 12866

Below are the cities the US Postal Service accepts for ZIP code 12866. Using any city not on this list may result in mail delivery delays.

City	Status
Saratoga Springs	Acceptable
Saratoga Springs	Preferred

Nearby ZIP codes

12170 Stillwater (5.9 mi) 12020 Ballston Spa (6.6 mi) 12871 Schuylerville (7.5 mi) 12833 Greenfield Center (8.8 mi) 12863 Rock City Falls (8.8 mi) 12151 Round Lake (9 mi) 12118 Mechanicville (9.3 mi) 12831 Gansevoort (10.5 mi) 12154 Schaghticoke (10.6 mi) 12019 Ballston Lake (11.1 mi) 12850 Middle Grove (11.6 mi) 12859 Porter Corners (11.7 mi)

Demographics updated 05/2026

Population
Total population	38,813
Population density	603 / sq mi
State FIPS	36
County FIPS	091

Geography
Land area	64.32 sq mi
Water area	7.04 sq mi
Latitude	43.0504
Longitude	-73.7539
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	27.1%	27.6%	37.0%
$50k – $100k	29.9%	30.1%	27.0%
$100k – $200k	30.6%	32.0%	24.4%
Over $200k	12.3%	10.3%	11.5%

Demographics & statistics

38,813

Population

603

People per sq mi

44.6

Median age

$96,678

Median household income

$57,380

Per capita income

$399,300

Median home value

$1,526

Median monthly rent

62.6%

Home ownership

8.5%

Poverty rate

2.8%

Unemployment

13,464

Housing units

54.5%

Bachelor's or higher

Age distribution

Male Female

600

Under 5

647

784

5–9

845

809

10–14

873

1,319

15–19

1,422

1,389

20–24

1,499

2,208

25–34

2,382

2,277

35–44

2,457

2,394

45–54

2,582

1,229

55–59

1,326

1,491

60–64

1,608

2,260

65–74

2,437

1,384

75–84

1,492

529

85+

570

← Male

Female →

Age summary

Group	Count	%
Under 18	5,491	14.1%
18 and over	33,322	85.9%
65 and over	8,672	22.3%
Median age	44.6 years

Race & ethnicity

White 86.3%

Two or more races 4.2%

Hispanic or Latino 2.9%

Black or African American 2.8%

Asian 2.5%

Other race 1.2%

Group	Count	%
White	34,504	86.3%
Two or more races	1,698	4.2%
Hispanic or Latino	1,167	2.9%
Black or African American	1,117	2.8%
Asian	989	2.5%
Other race	496	1.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.1%	27.6%	37.0%
$50k – $100k	29.9%	30.1%	27.0%
$100k – $200k	30.6%	32.0%	24.4%
Over $200k	12.3%	10.3%	11.5%

Under $10k 4.2%

$10k–$15k 2.6%

$15k–$25k 5.1%

$25k–$35k 5.0%

$35k–$50k 8.5%

$50k–$75k 13.0%

$75k–$100k 13.6%

$100k–$150k 20.4%

$150k–$200k 11.9%

$200k+ 15.8%

Range	% of households
Under $10k	4.2%
$10k–$15k	2.6%
$15k–$25k	5.1%
$25k–$35k	5.0%
$35k–$50k	8.5%
$50k–$75k	13.0%
$75k–$100k	13.6%
$100k–$150k	20.4%
$150k–$200k	11.9%
$200k+	15.8%
Median income	$96,678

Housing

Home values

Under $50k 4.2%

$50k–$100k 4.2%

$100k–$150k 0.7%

$150k–$200k 2.5%

$200k–$300k 18.8%

$300k–$500k 37.5%

$500k–$1M 26.1%

$1M+ 5.9%

Housing overview

Metric	Value
Median home value	$399,300
Median rent / month	$1,526
Owner occupied	62.6%
Renter occupied	37.4%
Vacant	12.8%
Single-family detached	52.6%
Large apartment buildings	12.4%
Mobile homes	5.1%
Median rooms	5.6
Avg household size (owned)	2.33

Year built

Era	%
2020 or later	0.2%
2010–2019	14.5%
2000–2009	14.2%
1990–1999	13.2%
1980–1989	9.2%
1970–1979	14.3%
1960–1969	7.7%
1950–1959	3.6%
1940–1949	2.1%
1939 or earlier	21.0%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	12.2%
2 bedrooms	28.2%
3 bedrooms	33.7%
4 bedrooms	18.2%
5+ bedrooms	4.8%

Vehicles per household

Vehicles	% of households
No vehicle	7.1%
1 vehicle	37.4%
2 vehicles	42.8%
3 or more	12.7%

Heating fuel

Fuel type	%
Utility gas	65.1%
Electricity	17.1%
Propane / LP gas	9.9%
Fuel oil	5.1%
Wood	1.0%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	7,896	45.4%
Cohabiting couple	1,882	10.8%
Male householder, no spouse	2,804	16.1%
Female householder, no spouse	4,828	27.7%
Households with children under 18	3,429	19.7%
Households with seniors (65+)	5,980	34.3%
Average household size	2.07

Marital status

Status	Male	Female
Never married	38.6%	30.0%
Married	50.1%	45.9%
Separated	1.3%	1.3%
Widowed	2.6%	9.0%
Divorced	7.3%	13.9%

Education

Less than 9th grade 2.2%

Some HS, no diploma 3.5%

HS graduate 20.4%

Some college, no degree 12.2%

Associate's degree 7.2%

Bachelor's degree 28.0%

Graduate / professional 26.5%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	54.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	324	3.9%
Kindergarten	335	4.1%
Elementary school	2,582	31.4%
High school	1,361	16.5%
College / grad school	3,627	44.1%

Employment

Industry of employment

Education & healthcare 29.3%

Professional & management 13.3%

Arts, food & hospitality 12.2%

Manufacturing 9.4%

Finance & real estate 7.5%

Retail trade 7.3%

Public administration 5.5%

Construction 4.2%

Other services 4.0%

Transportation & utilities 2.9%

Wholesale trade 2.0%

Information 1.5%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	53.4%
Service	15.6%
Sales & office	20.5%
Natural resources & construction	4.6%
Production & transportation	5.9%

Employment type

Type	%
Private sector	76.7%
Government	17.8%
Self-employed	5.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	70.8%
Carpool	5.8%
Public transit	1.0%
Walk	3.5%
Work from home	17.8%
Other means	1.1%
Avg commute (minutes)	25.8

Poverty

All people 8.5%

Under 18 years 7.1%

18 and over 8.8%

Married-couple families 2.7%

Female-led households 11.2%

Income support

Source	% of households
Social Security	36.3%
Retirement income	28.0%
Supplemental Security	3.0%
Cash public assistance	1.9%
Food stamps / SNAP	5.6%

Health indicators

Condition	%
Obesity	25.3%
High blood pressure	28.3%
High cholesterol	30.6%
Diabetes	6.8%
Heart disease	5.2%
Stroke	2.2%
Asthma	9.5%
Arthritis	20.8%
Kidney disease	2.4%
Pulmonary disease	5.0%
Cancer	6.9%

Behavior / access	%
Smoking	13.3%
Binge drinking	19.0%
No physical activity	18.3%
Less than 7 hrs sleep	30.2%
Depression	18.8%
Fair or poor health	8.6%
Poor mental health	12.6%
Poor physical health	7.6%
No health insurance	8.1%
Visited doctor (checkup)	77.9%
Visited dentist	73.3%
Cholesterol screening	91.4%
Teeth loss	8.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,028	6.2%

Disability	%
Any disability	12.0%
Under 18	9.8%
18–64 years	7.2%
65 and over	27.3%

Health insurance coverage

Type	%
Private insurance	81.5%
Public insurance	35.4%
No insurance	2.3%
Uninsured under 19	0.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	37,566	96.8%
Spanish	943	2.5%
Other Indo-European	320	0.9%
Asian & Pacific Islander	201	0.5%
Other languages	385	1.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	36,563	94.2%
Born in same state	35,991	92.7%
Born in different state	25,875	66.7%
Foreign born	572	1.5%
Naturalized citizen	2,250	5.8%
Not a US citizen	1,405	62.4%

Ancestry

Ancestry	Count	%
Italian	9,045	23.3%
French	5,923	15.3%
Arab	1,789	4.6%
English	881	2.3%
German	822	2.1%

Ancestry	Count	%
Polish	334	0.9%
Irish	230	0.6%
Norwegian	121	0.3%
Dutch	109	0.3%

Technology access

Metric	% of households
Computer access	44.9%
Internet access	96.1%

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

Frequently asked questions about ZIP code 12866

What city is ZIP code 12866 in?

ZIP code 12866 is primarily assigned to Saratoga Springs, New York.

What county is ZIP code 12866 in?

ZIP code 12866 falls within Saratoga County, New York.

How educated is the population of ZIP code 12866?

55% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 12866 have a large retiree population?

36% of households in ZIP code 12866 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 12866?

The median home value in ZIP code 12866 is $399,300.

What is the population of ZIP code 12866?

ZIP code 12866 has an estimated population of 38,813 residents, with a density of 603 people per square mile.

What timezone is ZIP code 12866 in?

ZIP code 12866 observes the EST timezone.