| ZIP Code | 12020 |
|---|---|
| City | Ballston Spa |
| State | New York (NY) |
| County | Saratoga County |
| Area Code | 518/838 |
| Elevation | 345 ft |
| Latitude | 43.001663 |
|---|---|
| Longitude | -73.870089 |
| Timezone | New York (DST) |
| FIPS | 36091 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.8 yrs ↑ 2% since 2019 |
|---|---|
| Avg Household Size | 2.33 |
| Below Poverty | 6.2% ▼ 38% below avg |
| College Grads | 56.3% ▲ 45% above avg |
| Unemployment | 3.3% ▼ 32% below avg |
| No HS Diploma | 212 (0.9%) |
| HS Graduate | 5,200 (22.6%) |
| Some College | 2,391 (10.4%) |
| Associates | 2,250 (9.8%) |
| Bachelors | 3,073 (13.4%) |
| Graduate Degree | 9,868 (42.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $101,727 ▲ 33% above avg ↑ 23% since 2019 |
|---|---|
| Median Home Value | $299,600 ≈ Avg ↑ 28% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Median Rent | $1,562/mo ↑ 30% since 2019 |
| Total Units | 15,787 |
| Vacant Units | 1,314 |
| Avg HH Size | 2.33 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 15,787 |
|---|---|
| Vacant | 1,314 |
| Owner Occupied | 69.8% |
| Renter Occupied | 30.2% |
| Avg HH Size | 2.33 |
ZIP code 12020 is located in Ballston Spa, New York, within Saratoga County. With a population of 34,140, this is a moderately populated ZIP code with a middle-aged community — the median age is 42.8 years. Economically, 12020 is a upper-middle-income ZIP code: the median household income of $101,727 is above the national average.
Real estate in ZIP code 12020 represents a mid-range housing market. The median home value of $299,600 is near the national average. Renters can expect to pay around $1,562 per month in median rent. Homeownership is strong here — 69.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 28% since 2019.
The population of 12020 is primarily White (89.34%). Residents are well-educated — 56.3% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 6.2%. Household income has grown by 23% since 2019.
The unemployment rate in 12020 stands at 3.3%, which is below the national average. About 14% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 78%.
Overall, ZIP code 12020 in Ballston Spa, NY is characterized as upper-middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 34,140 residents, a median household income of $101,727, and a median home value of $299,600, it offers a clear picture of life in this part of New York.