12188 ZIP Code — Waterford, NY

Saratoga County, New York

ZIP code 12188 is located in Waterford, New York, within Saratoga County. It covers approximately 13.00 square miles and serves a population of 11,615 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12188

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 $270,700. Owner-occupancy sits near the national average at 70%.

Median household income is $83,496. The poverty rate of 4% is below the national average. 37% 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 34% of residents holding a bachelor's degree or higher.

11,615

population

13.00

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12188 ZIP code map

Cities in ZIP code 12188

Below are the cities the US Postal Service accepts for ZIP code 12188. Using any city not on this list may result in mail delivery delays.

City	Status
Waterford	Preferred

Nearby ZIP codes

12047 Cohoes (2.8 mi) 12182 Troy (4.5 mi) 12183 Troy (5.3 mi) 12121 Melrose (5.4 mi) 12065 Clifton Park (5.4 mi) 12110 Latham (6.3 mi) 12189 Watervliet (6.3 mi) 12118 Mechanicville (6.7 mi) 12148 Rexford (7 mi) 12180 Troy (7.6 mi) 12151 Round Lake (8.1 mi) 12309 Schenectady (8.6 mi)

Demographics updated 06/2026

Population
Total population	11,615
Population density	893 / sq mi
State FIPS	36
County FIPS	091

Geography
Land area	13.00 sq mi
Water area	1.07 sq mi
Latitude	42.8231
Longitude	-73.6991
Timezone	Eastern (ET)
Area code	518

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.8%	27.6%	37.0%
$50k – $100k	29.9%	30.1%	27.0%
$100k – $200k	29.9%	32.0%	24.4%
Over $200k	8.4%	10.3%	11.5%

Demographics & statistics

11,615

Population

893

People per sq mi

44.4

Median age

$83,496

Median household income

$45,485

Per capita income

$270,700

Median home value

$1,103

Median monthly rent

70.0%

Home ownership

4.2%

Poverty rate

4.0%

Unemployment

3,962

Housing units

34.2%

Bachelor's or higher

Age distribution

Male Female

228

Under 5

237

282

5–9

294

341

10–14

355

197

15–19

206

274

20–24

285

751

25–34

782

858

35–44

892

698

45–54

726

469

55–59

488

480

60–64

500

655

65–74

681

287

75–84

298

172

85+

179

← Male

Female →

Age summary

Group	Count	%
Under 18	2,068	17.8%
18 and over	9,547	82.2%
65 and over	2,272	19.6%
Median age	44.4 years

Race & ethnicity

White 90.2%

Two or more races 3.3%

Hispanic or Latino 2.4%

Asian 1.4%

American Indian / Alaska Native 1.2%

Black or African American 0.7%

Other race 0.7%

Group	Count	%
White	10,734	90.2%
Two or more races	395	3.3%
Hispanic or Latino	289	2.4%
Asian	167	1.4%
American Indian / Alaska Native	147	1.2%
Black or African American	89	0.7%
Other race	83	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.8%	27.6%	37.0%
$50k – $100k	29.9%	30.1%	27.0%
$100k – $200k	29.9%	32.0%	24.4%
Over $200k	8.4%	10.3%	11.5%

Under $10k 1.6%

$10k–$15k 4.8%

$15k–$25k 4.5%

$25k–$35k 7.5%

$35k–$50k 10.9%

$50k–$75k 15.5%

$75k–$100k 10.5%

$100k–$150k 24.5%

$150k–$200k 6.9%

$200k+ 13.4%

Range	% of households
Under $10k	1.6%
$10k–$15k	4.8%
$15k–$25k	4.5%
$25k–$35k	7.5%
$35k–$50k	10.9%
$50k–$75k	15.5%
$75k–$100k	10.5%
$100k–$150k	24.5%
$150k–$200k	6.9%
$200k+	13.4%
Median income	$83,496

Housing

Home values

Under $50k 1.6%

$50k–$100k 1.1%

$100k–$150k 7.5%

$150k–$200k 9.8%

$200k–$300k 45.9%

$300k–$500k 25.4%

$500k–$1M 7.8%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$270,700
Median rent / month	$1,103
Owner occupied	70.0%
Renter occupied	30.0%
Vacant	8.3%
Single-family detached	56.2%
Large apartment buildings	2.2%
Mobile homes	2.0%
Median rooms	5.9
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	0.0%
2010–2019	5.3%
2000–2009	6.2%
1990–1999	6.4%
1980–1989	21.2%
1970–1979	7.4%
1960–1969	12.7%
1950–1959	6.6%
1940–1949	3.2%
1939 or earlier	31.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	9.5%
2 bedrooms	31.8%
3 bedrooms	36.2%
4 bedrooms	16.3%
5+ bedrooms	5.1%

Vehicles per household

Vehicles	% of households
No vehicle	9.1%
1 vehicle	30.3%
2 vehicles	44.2%
3 or more	16.4%

Heating fuel

Fuel type	%
Utility gas	79.5%
Electricity	13.1%
Propane / LP gas	2.8%
Fuel oil	4.3%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	2,240	44.7%
Cohabiting couple	420	8.4%
Male householder, no spouse	829	16.5%
Female householder, no spouse	1,522	30.4%
Households with children under 18	1,351	27.0%
Households with seniors (65+)	1,795	35.8%
Average household size	2.31

Marital status

Status	Male	Female
Never married	28.4%	27.1%
Married	54.3%	43.7%
Separated	1.0%	2.7%
Widowed	6.9%	8.9%
Divorced	9.5%	17.6%

Education

Less than 9th grade 2.1%

Some HS, no diploma 3.7%

HS graduate 26.8%

Some college, no degree 19.7%

Associate's degree 13.5%

Bachelor's degree 21.9%

Graduate / professional 12.2%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	34.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	102	5.2%
Kindergarten	128	6.5%
Elementary school	1,010	51.3%
High school	473	24.0%
College / grad school	257	13.0%

Employment

Industry of employment

Education & healthcare 33.2%

Finance & real estate 9.3%

Retail trade 9.2%

Public administration 8.7%

Manufacturing 7.6%

Professional & management 7.4%

Arts, food & hospitality 7.4%

Construction 6.5%

Transportation & utilities 4.4%

Other services 2.6%

Wholesale trade 2.2%

Information 1.1%

Agriculture & mining 0.5%

Occupation

Category	%
Management, business & arts	45.5%
Service	14.7%
Sales & office	23.3%
Natural resources & construction	8.2%
Production & transportation	8.3%

Employment type

Type	%
Private sector	66.5%
Government	28.3%
Self-employed	5.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.2%
Carpool	4.9%
Public transit	0.1%
Walk	2.6%
Work from home	10.0%
Other means	0.1%
Avg commute (minutes)	25.0

Poverty

All people 4.2%

Under 18 years 1.6%

18 and over 4.8%

Married-couple families 0.9%

Female-led households 3.6%

Income support

Source	% of households
Social Security	36.6%
Retirement income	33.4%
Supplemental Security	4.5%
Cash public assistance	2.0%
Food stamps / SNAP	9.3%

Health indicators

Condition	%
Obesity	28.2%
High blood pressure	30.2%
High cholesterol	31.7%
Diabetes	7.7%
Heart disease	5.7%
Stroke	2.6%
Asthma	10.1%
Arthritis	22.3%
Kidney disease	2.6%
Pulmonary disease	6.3%
Cancer	6.6%

Behavior / access	%
Smoking	18.3%
Binge drinking	18.8%
No physical activity	22.0%
Less than 7 hrs sleep	32.8%
Depression	20.3%
Fair or poor health	10.8%
Poor mental health	13.9%
Poor physical health	9.2%
No health insurance	9.8%
Visited doctor (checkup)	77.3%
Visited dentist	67.7%
Cholesterol screening	90.9%
Teeth loss	11.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	842	8.9%

Disability	%
Any disability	13.9%
Under 18	4.1%
18–64 years	10.9%
65 and over	32.0%

Health insurance coverage

Type	%
Private insurance	80.3%
Public insurance	32.3%
No insurance	4.3%
Uninsured under 19	2.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,150	96.0%
Spanish	110	1.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	97	0.9%
Other languages	13	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,085	95.4%
Born in same state	10,935	94.1%
Born in different state	9,472	81.5%
Foreign born	150	1.3%
Naturalized citizen	530	4.6%
Not a US citizen	389	73.4%

Ancestry

Ancestry	Count	%
Italian	3,235	27.9%
French	1,322	11.4%
German	853	7.3%
Arab	605	5.2%
Dutch	463	4%

Ancestry	Count	%
English	216	1.9%
Norwegian	68	0.6%
Polish	32	0.3%
Irish	19	0.2%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	91.5%

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

Frequently asked questions about ZIP code 12188

What city is ZIP code 12188 in?

ZIP code 12188 is primarily assigned to Waterford, New York.

What county is ZIP code 12188 in?

ZIP code 12188 falls within Saratoga County, New York.

Does ZIP code 12188 have a large retiree population?

37% of households in ZIP code 12188 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 12188?

ZIP code 12188 has an estimated population of 11,615 residents, with a density of 894 people per square mile.

What is the median household income in ZIP code 12188?

The median household income in ZIP code 12188 is $83,496, above the national median of ~$75,000.

What is the typical home value in ZIP code 12188?

The median home value in ZIP code 12188 is $270,700.

What timezone is ZIP code 12188 in?

ZIP code 12188 observes the EST timezone.