Home values, rents and more in ZIP code 12188 (Waterford, NY)
September 2026 figures from Zillow and the U.S. Census Bureau · updated 2026-11-07
Open 12188 in ProMap- Under $320k
- $320k–$340k
- $340k–$400k
- $400k–$450k
- $450k+
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How 12188 compares
The typical home in ZIP code 12188 (Waterford, NY) is worth about $387,000, according to the Zillow Home Value Index for September 2026. Home values in 12188 are 4% above the typical value in the Albany metro area ($373,000) and 6% above the U.S. typical value ($366,000).
Over the past year, home values in 12188 rose 4.0%, compared with +5.0% in the Albany metro area and +1.2% nationally.
Typical rent is $1,575 a month (Zillow Observed Rent Index), 7% below the Albany metro area ($1,693) and 18% below the U.S. ($1,932).
The median household income is $92,279, against $88,074 in the Albany metro area and $80,734 in the U.S. (Census Bureau, American Community Survey 2020–24).
About 10,988 people live in 12188 (American Community Survey 2020–24).
12188 has the 29th-highest typical home value of the 107 ZIP codes in the Albany metro area and the 654th-highest of 1,561 in New York with Zillow figures.
Part of: Waterford, NY · Saratoga County, NY · Albany metro area · New York
More for 12188 in ProMap Plus
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- 5- and 10-year price changes
- Days on market and months of supply
- Price cuts and sale-to-list ratio
- Price-to-income and monthly cost to buy
- Zillow 12-month price forecast
- Crime rates
- School test scores
- Homeowners insurance premiums
- Commute time to downtown
- Flood, wildfire and natural hazard risk
- Property-tax rate
- 2024 presidential vote
- Age, education and household make-up
- Amenities and transit nearby
Nearby ZIP codes
Sources
Home values: Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted, September 2026. Rents: Zillow Observed Rent Index (ZORI), seasonally adjusted. Population: Census population estimates (July 2025) for states, metros and counties; ACS 2020–24 for cities and ZIP codes. Income: U.S. Census Bureau, ACS 2020–24 5-year estimates. Boundaries: U.S. Census Bureau cartographic boundary files. Compiled by Home Economics.
"Typical" is Zillow's middle-tier value (homes between the 35th and 65th percentiles), not a median sale price. Changes are over the 12 months to September 2026.