U.S. ZIP Code · NY12188
Saratoga County · Albany-Schenectady-Troy, NY
Appreciation
- 1-year
- +4.1%
- 5-year / yr
- +5.4%
- 10-year / yr
- +4.8%
Relative price
- vs U.S.
- +34.5%
- vs metro
- +19.8%
- vs state
- +19.9%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 12188 is worth $382,073 — 19.8% above the Albany-Schenectady-Troy, NY median. Over the past year, values have risen 4.1%. The effective property tax rate is 1.4%.
#Rent & investment
Typical asking rent, and the returns it implies at the current home value.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#Climate risk
FEMA National Risk Index ratings for Saratoga County. "Not Applicable" means the hazard does not threaten the county.
- Overall risk
- Relatively Low[4]
- Riverine flood
- Relatively Moderate
- Coastal flood
- Not Applicable
- Wildfire
- Very Low
- Drought
- No Rating
- Heat wave
- Relatively Low
- Hurricane
- Relatively Low
- Tornado
- Relatively Moderate
- Earthquake
- Relatively Low
- Winter weather
- Relatively Low
#Who lives here
#Migration
Household moves in and out of Saratoga County over a year, from IRS tax-return data.
- Net migration
- +265[5]
- Moved in
- 6,840
- Moved out
- 6,575
Schools
Open public schools in this ZIP, from the NCES Common Core of Data.
- Public schools
- 2
- Elementary
- 1
- Middle
- 0
- High
- 1
WATERFORD-HALFMOON ELEMENTARY SCHOOL
Elementary · Grades PK–6 · WATERFORD-HALFMOON UNION FREE SCHOOL DISTRICT
395 students
WATERFORD-HALFMOON JUNIOR-SENIOR HIGH SCHOOL
High · Grades 7–12 · WATERFORD-HALFMOON UNION FREE SCHOOL DISTRICT
337 students
Run the numbers
Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.
Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.
Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.
This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.
#Metro ranking
Where this ZIP sits among others in its metro area.
Frequently asked
- How much is a home worth in ZIP code 12188?
- The typical home in 12188 is worth $382,073, based on the Zillow Home Value Index.
- Are home values rising in 12188?
- Home values in 12188 are up 4.1% over the past year, and up 5.4% a year over five years.
- What is the property tax rate in 12188?
- The effective property tax rate in 12188 is 1.4% — roughly $5,412 a year on a typical home.
- Who lives in 12188?
- ZIP code 12188 has a population of 10,988 and a median household income of $92,279.
#Comparable ZIPs
Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.
Averill Park CDP, NY
- Typical home
- $379,747
- Gross yield
- —
NY
- Typical home
- $377,313
- Gross yield
- —
Duane Lake CDP, NY
- Typical home
- $390,734
- Gross yield
- —
Poestenkill CDP, NY
- Typical home
- $372,611
- Gross yield
- —
NY
- Typical home
- $392,978
- Gross yield
- —
Castleton-on-Hudson, NY
- Typical home
- $369,354
- Gross yield
- 5.2%
Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →
Compare ZIPs
Pit ZIP 12188 against any other ZIP — full side-by-side table.
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