Waterford ZIP Codes — Saratoga County, NY

There is one unique ZIP code in Waterford, New York and it is 12188. Area code: 518.

ZIP codes

13.00

sq mi land

1.07

sq mi water

518

area code

Waterford, NY ZIP code map

About Waterford, NY

Waterford, NY is a charming village located within Saratoga County. Nestled in the heart of New York, it boasts a rich history and a vibrant community atmosphere. Known for its picturesque views and small-town charm, Waterford is a delightful place to visit or call home.

Location & geography

Waterford is situated in eastern New York and is part of the Albany-Schenectady-Troy Metropolitan Statistical Area. It is conveniently located just 10 miles north of Albany and approximately 8 miles southwest of Saratoga Springs. The village encompasses a land area of 13.00 square miles and features a water area of 1.07 square miles, contributing to its attractive landscapes.

Community & economy

The character of Waterford is marked by its tight-knit community and friendly residents. Local industries include manufacturing and retail, and an active community calendar features events throughout the year, enhancing daily life for both locals and visitors. The village offers various recreational opportunities, making it an inviting place for families and outdoor enthusiasts.

Transportation

Waterford is easily accessible via major highways, including the nearby Interstate 87, which connects to the greater Capital Region. The village is also located within the service area of the Albany International Airport, approximately 15 miles to the south. Public transportation options are available, providing convenient travel within the surrounding areas.

History

Waterford was founded in the early 19th century and quickly developed as an important transportation hub due to its strategic location along the Erie Canal. The village played a crucial role in the canal's history, which supported trade and industry in the region. Over the years, Waterford has hosted various notable events and festivals that celebrate its rich heritage.

Did you know?

A surprising fact about Waterford is that it features one of the few remaining operating hydraulic lift bridges in the United States, which adds a unique architectural element to the village. Additionally, Waterford is home to a portion of the historic Erie Canal, which attracts many visitors for its scenic beauty and recreational activities.

ZIP codes for Waterford, NY (1)

ZIP code	City	County	Map
12188	Waterford	Saratoga	View map

Demographics & statistics

11,615

Population

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

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%
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	%
High blood pressure	30.2%
High cholesterol	31.7%
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	%
Binge drinking	18.8%
No physical activity	22.0%
Less than 7 hrs sleep	32.8%
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%
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

What ZIP codes does Waterford, NY have?

Waterford, NY has one ZIP code: 12188. Each ZIP code serves a distinct delivery area within the city and surrounding region.