ZIP Code 12863 — undefined, NY Demographics & Data

ZIP code 12863 covers NY in Saratoga County with a population of about 870.

At a glance, the area shows median age of 37.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-20; the ALBANY - SCHENECTADY - TROY media market.

Median household income in ZIP 12863 is about $92,536 — about 23% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 0.0%; 14.2% of adults with a bachelor’s degree or higher (about 19.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Healthcare; about 4.2% of workers reporting work-from-home (about 11.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $312,300 — about 10% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.2% (about 15.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12863 in NY, a household would need roughly $86,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,006. That is roughly in line with the local median household income ($92,536). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for NY as Relatively Low (composite score 73.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (83.3) and hurricane (77.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for NY show little to no average snow and around 46.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 38 for ZIP 12863 (NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.