ZIP Code 12884 — Victory village, NY Demographics & Data

ZIP code 12884 covers Victory, NY in Saratoga County with a population of about 567.

At a glance, the area shows median age of 34.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-21; the ALBANY - SCHENECTADY - TROY media market.

Median household income in ZIP 12884 is about $46,071 — about 39% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.5%; unemployment rate near 5.4%; 11.9% of adults with a bachelor’s degree or higher (about 21.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 1.2% of workers reporting work-from-home (about 14.0 points below 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 $160,700 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $781 (about 33% below the U.S. median rent ($1,163)), and owner-occupancy near 58.6% (about 6.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12884 in Victory, NY, a household would need roughly $44,000 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 $1,032. That is roughly in line with the local median household income ($46,071). 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 Victory 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 Victory village, NY show little to no average snow and around 46.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 24 for ZIP 12884 (Victory 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.