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ZIP Code · NY

ZIP 12866

Pop. 40,057·Saratoga County·206th most expensive ZIP in New York
Median rent (all units)
$2,481/mo
Year-over-Year
+29.8%
Month-over-Month
-0.8%
vs US Median
+$516
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 12866 · $2,481
More expensive than 79% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,650
1 BR
$1,910
2 BR
$2,300
3 BR
$2,760
4 BR+
$3,050
Research median
$2,300/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
$29,772/yr
At $2,481/mo median
Location
StateNY
CountySaratoga County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 29.8% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+29.8% YoY, -0.8% MoM), not inventory.
Demographics

Who lives here

ZIP 12866 (Saratoga Springs, NY) is majority owner-occupied, has a large retiree population, has a median income above the national average, 57.5% of residents hold a bachelor's degree or higher.

Population
40,057
Median income
$101,901
Median age
44.5
Renters
37.8%
Age distribution
14.6%
22.5%
25.2%
14.4%
23.2%
Under 1814.6%
18–3422.5%
35–5425.2%
55–6414.4%
65+23.2%
Gender
48.7%
51.3%
Male48.7%
Female51.3%
Race & ethnicity
86.8%
White86.8%
Black2.1%
Hispanic5.4%
Asian2.6%
Other3.1%
Education (25+)
20%
17.7%
57.5%
No HS diploma4.8%
HS diploma20%
Some college17.7%
Bachelor's+57.5%
Housing tenure
62.2%
37.8%
Owner62.2%
Renter37.8%

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

2021 vs 2026

How ZIP 12866 in Saratoga Springs, NY has changed in 5 years

Rent
$1,513 → $2,481
up 64.0%
Income
$91,935 → $101,901
up 10.8%
Population
38,788 → 40,057
up 3.3%
Renter share
37.8% → 37.8%
+0.0 pts
Bachelor's+
53.9% → 57.5%
+3.6 pts

Since 2021, the typical rent in ZIP 12866 in Saratoga Springs, NY has increased from $1,513 to $2,481, a 64.0% change over five years. Census figures show median household income at $101,901 today, compared with $91,935 five years earlier. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 3.3% since 2021, moving from about 38,788 residents to roughly 40,057. College-educated residents now make up 57.5% of adults here, versus 53.9% in 2021. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.

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Local insights

Tips for renters in ZIP 12866

About renting in ZIP 12866

Last updated: July 20, 2026

ZIP code 12866 covers Saratoga Springs, NY. The median rent here is $2,481/mo as of July 2026. A 1-bedroom rents for a median of $1,910/mo. A 2-bedroom rents for a median of $2,300/mo.

At 29% of local median household income ($101,901/yr), ZIP 12866 ranks as affordable compared to the national benchmark of 30%. Rents have increased 29.8% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 12866?

As of July 20, 2026, the median monthly rent in ZIP 12866 (Saratoga Springs, NY) is $2,481. This is based on aggregated data from public sources and community submissions.

How does ZIP 12866 rent compare to the US average?

ZIP 12866's median rent of $2,481/mo is $516 (26%) above the US national median of $1,965/mo.

How does ZIP 12866 compare to other ZIPs in New York?

ZIP 12866 falls in the middle range for New York, ranking #206 out of 344 ZIPs at $2,481/mo.

How much income do you need to rent in ZIP 12866?

To keep rent at or below 30% of gross income, you would need to earn at least $99,000/year (~$48/hour full-time) to afford the median rent of $2,481/mo in ZIP 12866. The local median household income is $101,901/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 12866?

Rent in ZIP 12866 has increased 29.8% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 12866 an affordable place to rent?

ZIP 12866 is considered affordable for renters. At $2,481/mo, rent takes approximately 29% of the local median household income ($101,901/yr). The standard benchmark is 30%. ZIP 12866 falls comfortably within that range.

What percentage of ZIP 12866 residents rent vs. own?

According to Census data, approximately 37.8% of ZIP 12866 households are renters, while 62.2% are owner-occupied. ZIP 12866 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 12866 compare to the rest of Saratoga Springs?

ZIP 12866 is pricier than Saratoga Springs as a whole. At $2,481/mo, it's $107 above the Saratoga Springs citywide median of $2,374/mo.

When was rent data for ZIP 12866 last updated?

Rent data for ZIP 12866 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
29%
AFFORDABLE

At $2,481/mo, rent takes ~29% of ZIP 12866's median household income ($101,901/yr). The standard benchmark is 30%.

ZIP 12866 29%Benchmark 30%
State income tax4–10.9%
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