12188
Waterford, New York.
Waterford, Saratoga County, NY · Albany-Schenectady-Troy, NY metro · population 10,988
to buy the typical home at today's mortgage rate — +$1,062 (+109%) since Jan 2020.
- 1 year
- Up $15,033 +4%
- $372,334$387,367 since Sep 2025
- 5 years
- Up $82,767 +27%
- $304,600$387,367 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 12188$2,033
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in zip 12188 rose 4.0% over the past year — faster than the nation's +1.2%.
Zillow also publishes an index for the city itself: Waterford, NY — measured over the city limits, which is a different area from this zip.
Asking rent — 12188
Against the Albany-Schenectady-Troy, NY metro and the national benchmark.
- 12188$1,575
- Albany$1,693
- United States$1,932
Typical home value — 12188
Mid-tier homes, smoothed and seasonally adjusted.
- 12188$387,367
- Albany$373,057
- United States$366,157
Within 20 miles
Showing 30 of 61 zips in range — sorting picks from all 61.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 2.9 | 12047 | Cohoes | 23,532 | $1,865 | $339,366 |
| 3.4 | 12182 | Troy | 14,867 | $1,390 | $267,193 |
| 4.9 | 12121 | Melrose | 2,280 | — | $349,051 |
| 5.0 | 12183 | Troy | 2,970 | — | $245,066 |
| 5.2 | 12065 | Clifton Park | 45,116 | $1,684 | $489,830 |
| 5.9 | 12189 | Watervliet | 18,656 | $1,519 | $315,131 |
| 6.2 | 12110 | Latham | 20,081 | $2,458 | $410,158 |
| 6.8 | 12180 | Troy | 53,479 | $1,481 | $311,020 |
| 7.1 | 12118 | Mechanicville | 17,069 | $1,563 | $474,091 |
| 7.7 | 12148 | Rexford | 4,023 | — | $563,861 |
| 8.4 | 12211 | Albany | 14,383 | — | $488,139 |
| 8.7 | 12151 | Round Lake | 967 | — | $433,670 |
| 8.9 | 12309 | Schenectady | 33,246 | $1,494 | $416,191 |
| 9.3 | 12204 | Albany | 7,812 | $2,176 | $352,285 |
| 9.4 | 12154 | Schaghticoke | 2,777 | — | $361,584 |
| 9.8 | 12205 | Albany | 25,838 | $1,800 | $336,357 |
| 9.9 | 12185 | Valley Falls | 1,709 | — | $323,982 |
| 10.3 | 12198 | Wynantskill | 6,796 | — | $350,578 |
| 10.7 | 12304 | Schenectady | 22,403 | $2,075 | $262,047 |
| 10.9 | 12008 | Alplaus | 422 | — | $360,022 |
| 11.0 | 12206 | Albany | 14,572 | $1,784 | $225,666 |
| 11.2 | 12140 | Poestenkill | 1,512 | — | $384,302 |
| 11.3 | 12210 | Albany | 10,297 | $1,474 | $269,530 |
| 11.4 | 12308 | Schenectady | 15,511 | $1,569 | $267,347 |
| 11.6 | 12207 | Albany | 1,988 | $1,797 | — |
| 11.6 | 12094 | Johnsonville | 2,656 | — | $333,350 |
| 11.8 | 12052 | Cropseyville | 1,915 | — | $303,413 |
| 12.1 | 12307 | Schenectady | 7,050 | — | $185,471 |
| 12.1 | 12019 | Ballston Lake | 15,555 | $1,919 | $502,585 |
| 12.4 | 12203 | Albany | 30,771 | $1,769 | $339,006 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.