ZIP Code 12866 — Saratoga Springs city, NY Demographics & Data

ZIP code 12866 covers Saratoga Springs, NY in Saratoga County with a population of about 39,657.

At a glance, the area shows median age of 44.2 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.

Saratoga Springs, NY sits in a university / college context (near empire state university (2.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 12866 is about $98,374 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.6%; unemployment rate near 2.5%; 55.0% of adults with a bachelor’s degree or higher (about 21.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Healthcare; about 21.4% of workers reporting work-from-home (about 6.2 points above 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 $419,200 — about 20% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,350 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 62.5% (about 2.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12866 in Saratoga Springs, NY, a household would need roughly $115,000 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 $2,693. That is about 17% above the local median household income ($98,374), so the median earner would likely stretch or need a larger down payment. 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 Saratoga Springs city, 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 Saratoga Springs city, NY show little to no average snow and around 46.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,713 for ZIP 12866 (Saratoga Springs city, 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.