How much is a home worth in ZIP code 12866?

The typical home in 12866 is worth $636,753, based on the Zillow Home Value Index.

Are home values rising in 12866?

Home values in 12866 are up 4.3% over the past year, and up 6.8% a year over five years.

What is the typical rent in 12866?

A typical home in 12866 rents for about $2,008 a month, a gross rental yield of 3.8%.

What is the property tax rate in 12866?

The effective property tax rate in 12866 is 1.2% — roughly $7,524 a year on a typical home.

ZIP code 12866 has a population of 40,057 and a median household income of $101,901.

HousingHandbookReference data

…

U.S. ZIP Code · NY12866

Saratoga County · Albany-Schenectady-Troy, NY

Typical home value

$636,753^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +4.3%
5-year / yr: +6.8%
10-year / yr: +5.4%

Relative price

vs U.S.: +124.2%
vs metro: +99.6%
vs state: +99.9%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 12866 is worth $636,753 — 99.6% above the Albany-Schenectady-Troy, NY median. Over the past year, values have risen 4.3%. Homes here rent for a typical $2,008 a month — a 3.8% gross rental yield. The effective property tax rate is 1.2%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,008^[2]
Gross yield: 3.8%^[2]
Cap rate: 2.3%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 1.2%^[3]
Typical annual tax: $7,524^[3]

#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

Population: 40,057^[3]
Median household income: $101,901^[3]

#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: 7
Elementary: 5
Middle: 1
High: 1

SARATOGA SPRINGS HIGH SCHOOL
High · Grades 9–12 · SARATOGA SPRINGS CITY SD
1,871 students
MAPLE AVENUE MIDDLE SCHOOL
Middle · Grades 6–8 · SARATOGA SPRINGS CITY SD
1,406 students
DOROTHY NOLAN ELEMENTARY SCHOOL
Elementary · Grades PK–5 · SARATOGA SPRINGS CITY SD
638 students
DIVISION STREET ELEMENTARY SCHOOL
Elementary · Grades K–5 · SARATOGA SPRINGS CITY SD
391 students
LAKE AVENUE ELEMENTARY SCHOOL
Elementary · Grades K–5 · SARATOGA SPRINGS CITY SD
385 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.

Home value$Monthly rent$

Gross yield3.8%

Net yield (after ~40% expenses)2.3%

Annual rent$24,091

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.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$3,220

Loan principal$509,402

Down payment$127,351

Total interest paid$649,714

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.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio2.18

Monthly cost to own$4,377

Monthly rent$2,008

Renting is meaningfully cheaper month-to-month.

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.

Appreciation: 68th percentile^[1]
Rental yield: 0th percentile^[2]
Property tax: 10th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 12866?: The typical home in 12866 is worth $636,753, based on the Zillow Home Value Index.
Are home values rising in 12866?: Home values in 12866 are up 4.3% over the past year, and up 6.8% a year over five years.
What is the typical rent in 12866?: A typical home in 12866 rents for about $2,008 a month, a gross rental yield of 3.8%.
What is the property tax rate in 12866?: The effective property tax rate in 12866 is 1.2% — roughly $7,524 a year on a typical home.
Who lives in 12866?: ZIP code 12866 has a population of 40,057 and a median household income of $101,901.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

12159 vs 12866 →
Westmere CDP, NY
Typical home
$570,511
Gross yield
—
12148 vs 12866 →
NY
Typical home
$550,683
Gross yield
—
12084
Westmere CDP, NY
Typical home
$493,281
Gross yield
—
12019
Country Knolls CDP, NY
Typical home
$489,888
Gross yield
—
12077
NY
Typical home
$484,514
Gross yield
4.2%
12863
NY
Typical home
$482,989
Gross yield
—

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#Jump to section

U.S. ZIP Code · NY12866

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