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ZIP Code 12118

Saratoga, New York

FIPS 12118

Juniper

ZIP Code 12118 is in the top 9% nationally for appreciation 1yr %, but in the bottom 30% nationally for price-to-income ratio. It also sits in the top 10% nationally for FEMA risk score. And it sits in the top 23% nationally for HPI growth 5yr %.

Median Home Value

$345,800

Higher than 75% of U.S. ZIP codes

HPI Growth 5yr %

53%

Higher than 77% of U.S. ZIP codes

FEMA Risk Score

21.7

Lower than 90% of U.S. ZIP codes

The basics

Total Population

17,069

Median Age

44.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$345,800

Higher than 75%

Median Property Tax

$5,644

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.73

Higher than 70%

Median Rent

$1,122

Higher than 68%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

53%

Higher than 77%

Appreciation 1yr %

7.6%

Higher than 91%

Pandemic Gain %

46%

Recession Drop %

-6.5%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

81.9

Winter Avg Low (°F)

17.3

Avg Temperature (°F)

48.9

Hot Days/yr (>90°F)

11

Freezing Days/yr (<32°F)

144.4

Annual Precipitation (in)

44.9

Annual Snowfall (in)

63.5

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

21.7

Lower than 90%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 12118: frequently asked questions

What is the median home value in ZIP Code 12118?
The median home value in ZIP Code 12118 is $345,800, higher than 75% of U.S. ZIP codes.
How much is property tax in ZIP Code 12118?
The median annual property tax in ZIP Code 12118 is $5,644, an effective rate of 2% of home value.
Is ZIP Code 12118 expensive to live in?
Homes in ZIP Code 12118 cost about 3.73× the median household income, higher than 70% of U.S. ZIP codes.
What is the average rent in ZIP Code 12118?
The median gross rent in ZIP Code 12118 is $1,122 a month, higher than 68% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 12118?
Home prices in ZIP Code 12118 have moved 53% over the past five years (7.6% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 12118?
ZIP Code 12118 averages 48.9°F year-round, summer highs near 81.9°F, winter lows around 17.3°F (NOAA 1991–2020 normals). It sees about 63.5 inches of snow a year.
Is ZIP Code 12118 at risk of flooding or natural disasters?
ZIP Code 12118's FEMA National Risk Index score is 21.7 (lower than 90% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →