ZIP Code 12065: Population, Income, Housing

State: NY
Total population: 45,116 Household income: $113,873 Rent: $1,495

Overview

Total population
45,116
Rent
$1,495
Year built
1986
Household income
$113,873
Per capita income
$62,495
Poverty rate
3.4%
Unemployment rate
N/A
Household size
2.4 persons
Rent over 30% of income
39.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
New York
County
Saratoga County
City
Clifton Park
Total population
45,116
Adults over 25
32,360
Total households
18,790
Household size
2.4 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$113,873
Per capita income
$62,495
Poverty rate
3.4%
Unemployment rate
N/A
Rent over 30% of income
39.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,495
Year built
1986
Households that rent
29.8%
Households that own
70.2%
Rooms per home (all homes)
6.3

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
81.5%
Black
2.3%
Asian
7.7%
Two or more races
7.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
3.5%
Not Hispanic or Latino
96.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
20,195 (81.7%)
Commute time to work
25 mins
Work from home
4,509 (18.3%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
17.9%
High school graduate or GED
15.7%
Some college or associate degree
12%
Bachelor’s degree or higher
54.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 12065 with: Saratoga County, NY Albany metro area, NY New York State United States

ZIP 12065

Total population45,116
Rent$1,495
Year built1986
Household income$113,873
Per capita income$62,495
Poverty rate3.4%
Unemployment rateN/A

Saratoga County, NY

Total population238,284
Rent$1,394
Year built1984
Household income$100,787
Per capita income$57,380
Poverty rate7.1%
Unemployment rate2.8%

Albany Metro Area, NY

Total population906,052
Rent$1,280
Year built1969
Household income$88,074
Per capita income$49,088
Poverty rate11.2%
Unemployment rate3.3%

New York State

Total population19,852,366
Rent$1,621
Year built1959
Household income$85,974
Per capita income$50,712
Poverty rate14%
Unemployment rate4.3%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP12065 CountySaratoga, NYMetro AreaAlbany metro area, NYStateNew YorkCountryUnited States
Total population45,116238,284906,05219,852,366334,922,499
Rent$1,495$1,394$1,280$1,621$1,413
Year built19861984196919591980
Household income$113,873$100,787$88,074$85,974$80,734
Per capita income$62,495$57,380$49,088$50,712$44,673
Poverty rate3.4%7.1%11.2%14%12.5%
Unemployment rateN/A2.8%3.3%4.3%4%

View the full multi-level comparison →

 

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Summary for 12065

Rent & Income

In 12065, the typical monthly rent is $1,495 and the typical household income is $113,873. Rent here is lower than New York, and household income is higher than New York. The estimated poverty rate is 3.4%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 29.8% of households. Around 39.7% of renters are cost-burdened, indicating a moderate level of rent pressure.

Education & Employment

Educational attainment is very high, with about 54.4% of adults holding a bachelor’s degree or higher.

 

ZIP 12065 — Rent vs Household Income

 

 

ZIP 12065 — Poverty

 

 

How ZIP 12065 compares in New York State (210 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,495 52 / 210 from lower rent $784 – $3,433
Household income $113,873 54 / 210 from higher income $24,086 – $250,001
Poverty rate 3.4% 6 / 210 from lower poverty 2% – 45.2%

Rankings are calculated among ZIP Codes in New York State with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 12065

Rent

When it comes to rent, ZIP Code 12065 ranks 52nd out of 210 ZIP Codes in New York State. Statewide, values range from $784 in ZIP 14701 up to $3,433 in ZIP 10016.

Household income

Income-wise, this area is placed 54th out of 210 ZIP Codes. Across New York State, figures vary from $24,086 in ZIP 10454 up to $250,001 in ZIP 10583.

Poverty rate

When it comes to poverty, ZIP Code 12065 places 6th out of 210 ZIP Codes. Throughout New York State, numbers span from 2% in ZIP 11710 up to 45.2% in ZIP 10454.

 

💰 Rent in ZIP Code 12065 (with Utilities)

Estimated Monthly Rent: $1,495 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 12065

Annual Household Income: $113,873

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 12065

Estimated Rate: 3.4%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 12065

In ZIP Code 12065, households that rent: 5,608 (29.8%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 5,608 29.8%
Owner-Occupied 13,182 70.2%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 12065

In ZIP Code 12065, cost-burdened renters (households spending over 30% of income on housing): 2,226 (39.7%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 2,226 39.7%
Other renter households 3,382 60.3%
Total renter households 5,608 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 12065

Less than High School: 5,779 people (17.9%)

Includes adults who did not complete high school.

High School Graduate or GED: 5,093 people (15.7%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 3,887 people (12%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 17,601 people (54.4%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 32,360

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.