ZIP Code 12188 — Waterford village, NY Demographics & Data

ZIP code 12188 covers Waterford, NY in Saratoga County with a population of about 11,414.

At a glance, the area shows median age of 44.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-20; the ALBANY - SCHENECTADY - TROY media market.

Median household income in ZIP 12188 is about $87,212 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 3.9%; 32.1% of adults with a bachelor’s degree or higher (about 1.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Public administration; about 15.8% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $278,100 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $966 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 72.4% (about 7.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12188 in Waterford, NY, a household would need roughly $77,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,786. That sits below the local median household income ($87,212), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Waterford village, NY as Relatively Low (composite score 73.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (83.3) and hurricane (77.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Waterford village, NY show little to no average snow and around 42.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 493 for ZIP 12188 (Waterford village, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.