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ZIP Code · NY

ZIP 12189

Pop. 18,656·Albany County·293rd most expensive ZIP in New York
Median rent (all units)
$1,471/mo
Year-over-Year
-0.5%
Month-over-Month
-3.4%
vs US Median
-$494
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 12189 · $1,471
More affordable than 76% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,070
1 BR
$1,250
2 BR
$1,500
3 BR
$1,800
4 BR+
$1,990
Research median
$1,500/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$17,652/yr
At $1,471/mo median
Location
StateNY
CountyAlbany County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 0.5% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (-0.5% YoY, -3.4% MoM), not inventory.
Demographics

Who lives here

ZIP 12189 (Watervliet, NY) is majority renter-occupied, has a median income below the national average, 28.1% of residents hold a bachelor's degree or higher.

Population
18,656
Median income
$65,276
Median age
41.2
Renters
60.3%
Age distribution
21%
20.8%
26.4%
12.7%
19.1%
Under 1821%
18–3420.8%
35–5426.4%
55–6412.7%
65+19.1%
Gender
45.9%
54.1%
Male45.9%
Female54.1%
Race & ethnicity
74.5%
White74.5%
Black9%
Hispanic6.8%
Asian6.3%
Other3.4%
Education (25+)
29.7%
33.5%
28.1%
No HS diploma8.6%
HS diploma29.7%
Some college33.5%
Bachelor's+28.1%
Housing tenure
39.7%
60.3%
Owner39.7%
Renter60.3%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 12189 in Watervliet, NY has changed in 5 years

Income
$53,443 → $65,276
up 22.1%
Population
18,277 → 18,656
up 2.1%
Renter share
60.9% → 60.3%
-0.6 pts
Bachelor's+
28.1% → 28.1%
+0.0 pts
Median age
37.6 → 41.2
+3.6 yrs

Median household income rose from $53,443 to $65,276 between 2021 and 2024, a 22.1% shift. The population has grown by 2.1% since 2021, moving from about 18,277 residents to roughly 18,656.

Community

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Local insights

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About renting in ZIP 12189

Last updated: July 20, 2026

ZIP code 12189 covers Watervliet, NY. The median rent here is $1,471/mo as of July 2026. A 1-bedroom rents for a median of $1,250/mo. A 2-bedroom rents for a median of $1,500/mo.

At 27% of local median household income ($65,276/yr), ZIP 12189 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 0.5% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 12189?

As of July 20, 2026, the median monthly rent in ZIP 12189 (Watervliet, NY) is $1,471. This is based on aggregated data from public sources and community submissions.

How does ZIP 12189 rent compare to the US average?

ZIP 12189's median rent of $1,471/mo is $494 (25%) below the US national median of $1,965/mo.

How does ZIP 12189 compare to other ZIPs in New York?

ZIP 12189 is among the more affordable ZIP codes in New York, ranking #293 out of 344 ZIPs at $1,471/mo.

How much income do you need to rent in ZIP 12189?

To keep rent at or below 30% of gross income, you would need to earn at least $59,000/year (~$28/hour full-time) to afford the median rent of $1,471/mo in ZIP 12189. The local median household income is $65,276/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 12189?

Rent in ZIP 12189 has been relatively stable over the past year, with a 0.5% change year over year as of July 20, 2026.

Is ZIP 12189 an affordable place to rent?

ZIP 12189 is considered affordable for renters. At $1,471/mo, rent takes approximately 27% of the local median household income ($65,276/yr). The standard benchmark is 30%. ZIP 12189 falls comfortably within that range.

What percentage of ZIP 12189 residents rent vs. own?

According to Census data, approximately 60.3% of ZIP 12189 households are renters, while 39.7% are owner-occupied. With a majority renter population, ZIP 12189 has a strong rental market.

How does ZIP 12189 compare to the rest of Watervliet?

ZIP 12189 sits right at the Watervliet citywide median of $1,471/mo.

When was rent data for ZIP 12189 last updated?

Rent data for ZIP 12189 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
27%
AFFORDABLE

At $1,471/mo, rent takes ~27% of ZIP 12189's median household income ($65,276/yr). The standard benchmark is 30%.

ZIP 12189 27%Benchmark 30%
State income tax4–10.9%
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Schools nearby

Public schools near ZIP 12189 (Watervliet, NY)

Recent submissions

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