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ZIP Code 12866

Saratoga, New York

FIPS 12866

Juniper

ZIP Code 12866 is in the top 8% nationally for appreciation 1yr %, but in the bottom 19% nationally for price-to-income ratio. It also sits in the 86th percentile nationally for median home value. And it sits in the top 14% nationally for FEMA risk score.

Median Home Value

$457,600

Higher than 86% of U.S. ZIP codes

HPI Growth 5yr %

54%

Higher than 78% of U.S. ZIP codes

FEMA Risk Score

28.9

Lower than 86% of U.S. ZIP codes

The basics

Total Population

40,057

Median Age

44.5

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$457,600

Higher than 86%

Median Property Tax

$5,827

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

4.49

Higher than 81%

Median Rent

$1,488

Higher than 83%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

54%

Higher than 78%

Appreciation 1yr %

8.7%

Higher than 93%

Pandemic Gain %

42%

Recession Drop %

-4.9%

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)

47.5

Annual Snowfall (in)

63.5

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

28.9

Lower than 86%

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 12866: frequently asked questions

What is the median home value in ZIP Code 12866?
The median home value in ZIP Code 12866 is $457,600, higher than 86% of U.S. ZIP codes.
How much is property tax in ZIP Code 12866?
The median annual property tax in ZIP Code 12866 is $5,827, an effective rate of 1% of home value.
Is ZIP Code 12866 expensive to live in?
Homes in ZIP Code 12866 cost about 4.49× the median household income, higher than 81% of U.S. ZIP codes.
What is the average rent in ZIP Code 12866?
The median gross rent in ZIP Code 12866 is $1,488 a month, higher than 83% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 12866?
Home prices in ZIP Code 12866 have moved 54% over the past five years (8.7% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 12866?
ZIP Code 12866 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 12866 at risk of flooding or natural disasters?
ZIP Code 12866's FEMA National Risk Index score is 28.9 (lower than 86% 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 →