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ZIP Code 12188

Saratoga, New York

FIPS 12188

Juniper

ZIP Code 12188 is in the top 33% nationally for FEMA risk score. It also sits in the 69th percentile nationally for median rent. And it sits in the 67th percentile nationally for median home value.

Median Home Value

$281,400

Higher than 67% of U.S. ZIP codes

HPI Growth 5yr %

36%

Higher than 59% of U.S. ZIP codes

FEMA Risk Score

50.6

Lower than 67% of U.S. ZIP codes

The basics

Total Population

10,988

Median Age

46.1

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$281,400

Higher than 67%

Median Property Tax

$4,598

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.05

Near median

Median Rent

$1,134

Higher than 69%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

36%

Higher than 59%

Appreciation 1yr %

-2.8%

Higher than 61%

Pandemic Gain %

37%

Recession Drop %

-3.8%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

83.4

Winter Avg Low (°F)

19.9

Avg Temperature (°F)

50.9

Hot Days/yr (>90°F)

13.1

Freezing Days/yr (<32°F)

131.1

Annual Precipitation (in)

42.1

Annual Snowfall (in)

59.2

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

50.6

Lower than 67%

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 12188: frequently asked questions

What is the median home value in ZIP Code 12188?
The median home value in ZIP Code 12188 is $281,400, higher than 67% of U.S. ZIP codes.
How much is property tax in ZIP Code 12188?
The median annual property tax in ZIP Code 12188 is $4,598, an effective rate of 2% of home value.
Is ZIP Code 12188 expensive to live in?
Homes in ZIP Code 12188 cost about 3.05× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 12188?
The median gross rent in ZIP Code 12188 is $1,134 a month, higher than 69% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 12188?
Home prices in ZIP Code 12188 have moved 36% over the past five years (-2.8% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 12188?
ZIP Code 12188 averages 50.9°F year-round, summer highs near 83.4°F, winter lows around 19.9°F (NOAA 1991–2020 normals). It sees about 59.2 inches of snow a year.
Is ZIP Code 12188 at risk of flooding or natural disasters?
ZIP Code 12188's FEMA National Risk Index score is 50.6 (lower than 67% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

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