ZIP Code Tabulation Area

12188

Waterford, NY · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
10,988
Median household income
$92,279
People below poverty
6.6%
Median home value
$281,400

Income

The median income of households in 12188 was $92,279. An estimated 2.2% of households had income below $10,000 a year and 10.9% had income of $200,000 or more.

Household Income in 12188 in 2020-2024

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Percent
Less than $10,000 2.2
$10,000 to $14,999 4.4
$15,000 to $24,999 3.8
$25,000 to $34,999 8.2
$35,000 to $49,999 6.7
$50,000 to $74,999 15.9
$75,000 to $99,999 13.5
$100,000 to $149,999 22.7
$150,000 to $199,999 11.7
$200,000 or more 10.9

Median Earnings for Full-Time Year-Round Workers by Sex in 12188 in 2020-2024

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Dollars
Male 74545
Female 54791

An estimated 71.6% of households received earnings. An estimated 37.7% of households received Social Security and an estimated 36.8 % of households received retirement income other than Social Security. The average income from Social Security was $23,943. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 12188 in 2020-2024

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Percent
Earnings 71.6
Social Security 37.7
Retirement income 36.8
Supplemental Security Income (SSI) 5.4
Cash public assistance income 1.3

Poverty and Participation in Government Programs

In 2020-2024, 6.6 % of people were in poverty. An estimated 7.2% of children under 18 were below the poverty level, compared with 6.6% of people 65 years old and over. An estimated 6.4% of people 18 to 64 years were below the poverty level.

Poverty Rates in 12188 in 2020-2024

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Percent
People in poverty 6.6
Children under 18 years below poverty 7.2
People 65 years old and over below poverty 6.6
People 18 to 64 years below poverty 6.4

In 2020-2024, 9.8 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 21.6% of households that received SNAP had children under 18, and 72.1% of households that received SNAP had one or more people 60 years and over. An estimated 21% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 12188 in 2020-2024, 98.2% had health insurance coverage and 1.8% did not have health insurance coverage. Private coverage was 83.8% and public coverage was 32.9%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 1.4%.


In 2020-2024, 12188 had a total population of 10,988 - 5,284 (48.1%) females and 5,704 (51.9%) males. The median age was 46.1 years. An estimated 17.8% of the population was under 18 years, 29% was 19 to 44 years, 29.7% was 45 to 64 years, and 22.6 % was 65 years and older.

Population by Age and Sex for 12188 in 2020-2024

Male Female
Under 5 265 116
5 to 9 386 148
10 to 14 434 197
15 to 19 298 218
20 to 24 197 279
25 to 29 302 391
30 to 34 307 218
35 to 39 358 483
40 to 44 379 275
45 to 49 431 205
50 to 54 259 386
55 to 59 432 412
60 to 64 477 651
65 to 69 386 469
70 to 74 385 386
75 to 79 170 88
80 to 84 72 109
85 and over 166 253

Hispanic Origin and Race

For people reporting one race alone, 84.3% were White; 3.9% were Black or African American; 5.2% were American Indian and Alaska Native; 1.6% were Asian; 2.8% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 5.5% reported Two or More Races. An estimated 7.4% of the people in 12188 were Hispanic or Latino. An estimated 82.5% of the people in 12188 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 4,880 households in 12188. The average household size was 2.25 people.

Married-couple households made up 46.1% of the households in 12188 while cohabiting couple households made up 8.9% of households. Female householders with no spouse or partner present were 25.2% of all households, while 19.7% of households had male householders with no spouse or partner present. Some households had one person, as 16.4% of households were male householders living alone, and 16.8% were female householders living alone, for a total of 33.2% of all households.

In 12188, 24.7% of all households had one or more people under the age of 18; 38.8% of all households had one or more people 65 years and over.

Types of Households in 12188 in 2020-2024

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Percent
Married-couple households 46.1
Cohabiting Couples 8.9
Male Householder
No spouse/partner present
19.7
Female Householder
No spouse/partner present
25.2

Marital Status

Among persons 15 and older, 52.2% of males and 48.7% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 29.7 23.7
Now married, except separated 52.2 48.7
Separated 1.3 2.7
Widowed 4.2 9.8
Divorced 12.7 15.1

Grandparents and Grandchildren

In 12188, 293 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 2.4% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 95.9% of the people living in 12188 were U.S. natives. 85.4% of the 12188 population were living in the state where they were born.

Approximately 4.1% of 12188 residents in 2020-2024 were foreign-born. 87.2% of foreign-born were naturalized U.S. citizens and an estimated 96 % entered the country before the year 2010.

Foreign-born residents of 12188 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 12188.

Region of Birth for the Foreign-Born Population in 12188 in 2020-2024

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Percent
Latin America 22.7
Asia 16.1
Europe 36.6
Africa 20.7
Northern America 4
Oceania 0

Language

Among people at least five years old living in 12188 in 2020-2024, 7.6 % spoke a language other than English at home. Spanish was spoken by 2.8% of people at least five years old; 1.5% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 12188 in 2020-2024

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Percent
Spanish 2.8
Other Indo-European languages 4.4
Asian and Pacific Islander languages 0.2
Other languages 0.1

Geographic Mobility

In 2020-2024, 90.9 % of the people at least one year old living in 12188 were living in the same house one year earlier.

Geographic Mobility of Residents of 12188 in 2020-2024

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Percent
Same house 90.9
Different house, same county 2.6
Different county, same state 5.9
Different state 0.5
Abroad 0

Education

In 2020-2024, 93.5 % of people 25 years and over had at least graduated from high school and 32.2% had a bachelor's degree or higher. An estimated 6.5% did not complete high school.

The total school enrollment in 12188 was 2,136 in 2020-2024. Nursery school enrollment was 171 and kindergarten through 12th grade enrollment was 1,542. College or graduate school enrollment was 423.

Educational Attainment of People in 12188 in 2020-2024

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Percent
Less than high school diploma 6.5
High school diploma or equivalency 28.7
Some college, no degree 18.6
Associate's degree 14.1
Bachelor's degree 18.9
Graduate or professional degree 13.2

Disability

In 12188, among the civilian noninstitutionalized population in 2020-2024, 13.1 % reported a disability. The likelihood of having a disability varied by age - from 1.6% of people under 18 years old, to 11.2% of people 18 to 64 years old, and to 27.1% of those 65 and over.


Employment Status and Type of Employer

In 12188, 60.9 % of the population 16 and over were employed; 36.1% were not currently in the labor force.

An estimated 75.1% of the people employed were private wage and salary workers; 21.3% were federal, state, or local government workers; and 3.6 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 4,282 75.1
Federal, state, or local government workers 1,213 21.3
Self-employed workers in own not incorporated business 203 3.6

Industries

In 2020-2024, the civilian employed population 16 years and older in 12188 worked in the following industries:

Percent by Industry in 12188 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.4
Construction 10.5
Manufacturing 7.3
Wholesale trade 1.5
Retail trade 9.5
Transportation and warehousing, and utilities 5.5
Information 2
Finance and insurance, and real estate and rental and leasing 9.6
Professional, scientific, and management, and administrative and waste management services 7.3
Educational services, and health care and social assistance 30.1
Arts, entertainment, and recreation, and accommodation, and food services 5.2
Other Services, except public administration 3.6
Public administration 7.6

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 12188 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 2,556 44.9
Service occupations 919 16.1
Sales and office occupations 1,153 20.2
Natural resources, construction, and maintenance occupations 519 9.1
Production, transportation, and material moving occupations 551 9.7

Commuting to Work

An estimated 78.5% of 12188 workers drove to work alone in 2020-2024, and 3.3% carpooled. Among those who commuted to work, it took them on average 23 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 12188 in 2020-2024

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Percent
Car, truck, van -- drove alone 78.5
Car, truck, van -- carpooled 3.3
Public transportation (excluding taxicab) 0
Walked 1.1
Other means 0.4
Worked from home 16.6

In 2020-2024, 12188 had a total of 5,167 housing units. Of these housing units, 62.7% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 35.7% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 1.6% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 12188 in 2020-2024

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Percent
Single-family houses 62.7
Apartments in multi-unit structures 35.7
Mobile homes 1.6
Boat, RV, van, etc 0

6.6% of the housing inventory was comprised of houses built since 2010, while 33.2% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 12188 was 5.9 rooms, and of these housing units 58.8% had three or more bedrooms.


In 2020-2024, 12188 had 4,880 housing units that were occupied or had people living in them, while the remaining 287 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 73.8% while renters occupied 26.2%. The average household size of owner-occupied houses was 2.42 and in renter-occupied houses it was 1.75.

4.8% of householders of these occupied houses had moved into their house since 2021, while 18.3% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 7.9% and another 16.6% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 12188:

House Heating Fuel Used in 12188 in 2020-2024

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Percent
Gas 82.8
Electricity 11.2
Fuel oil, kerosene, etc 4.4
All other fuels 1.4
No fuel used 0.1

In 2020-2024, the median property value for owner-occupied houses in 12188 was $281,400.

Of the owner-occupied households, 57.1 % had a mortgage. 42.9% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,934 and for owners without a mortgage it was $670.

For renter-occupied houses, the median gross rent for 12188 was $1,134. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.