12188 Zip Code (Waterford, NY) Detailed Profile

Estimated zip code population in 2017: 11,040
Zip code population in 2010: 10,980
Zip code population in 2000: 10,610

Houses and condos: 5,074
Renter-occupied apartments: 1,703
March 2019 cost of living index in zip code 12188: 107.3 (more than average, U.S. average is 100)

Land area: 13.0 sq. mi.
Water area: 1.1 sq. mi.

Population density: 851 people per square mile

(low).

Real estate property taxes paid for housing units in 2017:
Median real estate property taxes paid for housing units with mortgages in 2017: $3,380 (1.4%)
Median real estate property taxes paid for housing units with no mortgage in 2017: $2,849 (1.2%)

For population 25 years and over in 12188:

• High school or higher: 93.1%
• Bachelor's degree or higher: 30.4%
• Graduate or professional degree: 9.5%
• Unemployed: 4.1%
• Mean travel time to work (commute): 22.5 minutes

For population 15 years and over in 12188:

• Never married: 34.7%
• Now married: 49.2%
• Separated: 1.4%
• Widowed: 5.4%
• Divorced: 9.3%

• 
• • 10,22896.4%White
  • 2011.9%Asian
  • 1971.9%Two or more races
  • 2021.9%Hispanic or Latino
  • 1291.2%Black
  • 130.1%Some other race
  • 100.09%American Indian

Urban population: 9,724
Rural population: 1,315

Averages for the 2012 tax year for zip code 12188, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $56,296 (Individual Income Tax Returns)

Here:	$56,296
State:	$77,088

Salary/wage: $52,285 (reported on 84.9% of returns)

Here:	$52,285
State:	$60,593

(% of AGI for various income ranges: 73.6% for AGIs below $25k, 79.5% for AGIs $25k-50k, 78.2% for AGIs $50k-75k, 79.1% for AGIs $75k-100k, 84.4% for AGIs $100k-200k, 65.8% for AGIs over 200k)

Taxable interest for individuals: $730 (reported on 43.7% of returns)

This zip code:	$730
New York:	$3,125

(% of AGI for various income ranges: 1.1% for AGIs below $25k, 0.4% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.5% for AGIs $100k-200k, 1.0% for AGIs over 200k)

Ordinary dividends: $2,315 (reported on 23.2% of returns)

Here:	$2,315
State:	$10,299

(% of AGI for various income ranges: 1.4% for AGIs below $25k, 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 0.6% for AGIs $100k-200k, 2.0% for AGIs over 200k)

Net capital gain/loss in AGI: +$4,107 (reported on 14.1% of returns)

Here:	+$4,107
State:	+$42,474

(% of AGI for various income ranges: 0.3% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.6% for AGIs $100k-200k, 7.5% for AGIs over 200k)

Profit/loss from business: +$12,923 (reported on 10.8% of returns)

Here:	+$12,923
State:	+$16,168

(% of AGI for various income ranges: 3.4% for AGIs below $25k, 2.2% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 2.1% for AGIs $100k-200k, 6.9% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $12,000 (reported on 10.0% of returns)

12188:	$12,000
New York:	$17,621

(% of AGI for various income ranges: 3.0% for AGIs below $25k, 2.6% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 1.5% for AGIs $100k-200k, 3.6% for AGIs over 200k)

Self-employment retirement plans: $25,267 (reported on 0.5% of returns)

12188:	$25,267
New York:	$27,330

Total itemized deductions: $20,207 (21% of AGI, reported on 34.1% of returns)

Here:	$20,207
State:	$34,985

Here:	20.6% of AGI
State:	21.3% of AGI

(% of AGI for various income ranges: 7.8% for AGIs below $25k, 7.9% for AGIs $25k-50k, 10.8% for AGIs $50k-75k, 13.4% for AGIs $75k-100k, 15.3% for AGIs $100k-200k, 13.6% for AGIs over 200k)

Charity contributions: $2,141 (reported on 26.6% of returns)

Here:	$2,141
State:	$5,572

(% of AGI for various income ranges: 0.4% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 1.5% for AGIs $100k-200k, 1.4% for AGIs over 200k)

Taxes paid: $9,595 (reported on 33.7% of returns)

12188:	$9,595
State:	$18,656

(% of AGI for various income ranges: 1.6% for AGIs below $25k, 2.4% for AGIs $25k-50k, 4.4% for AGIs $50k-75k, 5.8% for AGIs $75k-100k, 8.2% for AGIs $100k-200k, 8.6% for AGIs over 200k)

Earned income credit: $1,932 (reported on 10.7% of returns)

Here:	$1,932
State:	$2,230

(% of AGI for various income ranges: 3.9% for AGIs below $25k, 0.6% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 46.6%

Here:	47%
State:	66%

(% for various income ranges: 41.9% for AGIs below $25k, 44.4% for AGIs $25k-50k, 50.5% for AGIs $50k-75k, 49.2% for AGIs $75k-100k, 53.2% for AGIs $100k-200k, 58.3% for AGIs over 200k)

Averages for the 2004 tax year for zip code 12188, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $45,504 (Individual Income Tax Returns)

Here:	$45,504
State:	$59,519

Salary/wage: $42,811 (reported on 86.9% of returns)

Here:	$42,811
State:	$50,673

(% of AGI for various income ranges: 85.7% for AGIs below $10k, 74.0% for AGIs $10k-25k, 83.8% for AGIs $25k-50k, 85.1% for AGIs $50k-75k, 87.4% for AGIs $75k-100k, 75.5% for AGIs over 100k)

Taxable interest for individuals: $809 (reported on 57.0% of returns)

This zip code:	$809
New York:	$2,377

(% of AGI for various income ranges: 4.8% for AGIs below $10k, 1.9% for AGIs $10k-25k, 1.0% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 0.9% for AGIs over 100k)

Taxable dividends: $1,625 (reported on 26.5% of returns)

Here:	$1,625
State:	$5,394

(% of AGI for various income ranges: 4.3% for AGIs below $10k, 1.4% for AGIs $10k-25k, 0.9% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.0% for AGIs over 100k)

Net capital gain/loss: +$3,909 (reported on 18.2% of returns)

Here:	+$3,909
State:	+$23,581

(% of AGI for various income ranges: -2.1% for AGIs below $10k, -0.0% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 4.5% for AGIs over 100k)

Profit/loss from business: +$11,367 (reported on 10.1% of returns)

Here:	+$11,367
State:	+$13,809

(% of AGI for various income ranges: 1.8% for AGIs below $10k, 3.1% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 5.0% for AGIs over 100k)

IRA payment deduction: $2,664 (reported on 2.1% of returns)

12188:	$2,664
New York:	$3,115

(% of AGI for various income ranges: 0.1% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $13,824 (reported on 0.6% of returns)

Here:	$13,824
New York:	$19,016

Total itemized deductions: $16,246 (20% of AGI, reported on 32.3% of returns)

Here:	$16,246
State:	$25,864

Here:	19.8% of AGI
State:	21.9% of AGI

(% of AGI for various income ranges: 7.5% for AGIs below $10k, 4.5% for AGIs $10k-25k, 7.1% for AGIs $25k-50k, 12.6% for AGIs $50k-75k, 14.4% for AGIs $75k-100k, 14.6% for AGIs over 100k)

Charity contributions deductions: $1,790 (2% of AGI, reported on 29.7% of returns)

Here:	$1,790
State:	$4,439

Here:	2.1% of AGI
State:	3.6% of AGI

(% of AGI for various income ranges: 0.3% for AGIs below $10k, 0.4% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 1.6% for AGIs over 100k)

Total tax: $5,962 (reported on 81.9% of returns)

12188:	$5,962
State:	$11,730

(% of AGI for various income ranges: 1.9% for AGIs below $10k, 4.4% for AGIs $10k-25k, 7.8% for AGIs $25k-50k, 9.3% for AGIs $50k-75k, 10.2% for AGIs $75k-100k, 17.0% for AGIs over 100k)

Earned income credit: $1,498 (reported on 9.5% of returns)

Here:	$1,498
State:	$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 51.9%

Here:	52%
State:	67%

(% for various income ranges: 41.5% for AGIs below $10k, 53.2% for AGIs $10k-25k, 50.2% for AGIs $25k-50k, 56.5% for AGIs $50k-75k, 57.6% for AGIs $75k-100k, 59.4% for AGIs over 100k)

Nearest zip codes: 12047, 12182, 12183, 12189, 12118, 12121.
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

• Lesbian couples: 0.5% of all households
• Gay men: 0.3% of all households

Household received Food Stamps/SNAP in the past 12 months: 321
Household did not receive Food Stamps/SNAP in the past 12 months: 4,475

Women who had a birth in the past 12 months: 179 (62 now married, 113 unmarried)
Women who did not have a birth in the past 12 months: 2,513 (1,188 now married, 1,320 unmarried)

Housing units in zip code 12188 with a mortgage: 1,997 (20 second mortgage, 311 home equity loan, 10 both second mortgage and home equity loan)
Houses without a mortgage: 1,072

Median monthly owner costs for units with a mortgage: $1,543
Median monthly owner costs for units without a mortgage: $511

Residents with income below the poverty level in 2017:
Residents with income below 50% of the poverty level in 2017:

• Zip code 12188 household income distribution in 2017

• 195Less than $10,000
• 50$10,000 to $14,999
• 205$15,000 to $19,999
• 209$20,000 to $24,999
• 134$25,000 to $29,999
• 230$30,000 to $34,999
• 160$35,000 to $39,999
• 191$40,000 to $44,999
• 174$45,000 to $49,999
• 396$50,000 to $59,999
• 698$60,000 to $74,999
• 556$75,000 to $99,999
• 529$100,000 to $124,999
• 359$125,000 to $149,999
• 378$150,000 to $199,999
• 341$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2017 in zip code 12188

• 44Less than $10,000
• 3$10,000 to $14,999
• 8$20,000 to $24,999
• 5$25,000 to $29,999
• 4$40,000 to $49,999
• 3$50,000 to $59,999
• 6$60,000 to $69,999
• 28$70,000 to $79,999
• 54$80,000 to $89,999
• 22$90,000 to $99,999
• 117$100,000 to $124,999
• 194$125,000 to $149,999
• 260$150,000 to $174,999
• 410$175,000 to $199,999
• 826$200,000 to $249,999
• 409$250,000 to $299,999
• 412$300,000 to $399,999
• 168$400,000 to $499,999
• 111$500,000 to $749,999
• 6$750,000 to $999,999
• 6$1,500,000 to $1,999,999

• Rent paid by renters in 2017 in zip code 12188

• 17$300 to $349
• 24$400 to $449
• 26$450 to $499
• 221$500 to $549
• 46$550 to $599
• 69$600 to $649
• 73$650 to $699
• 98$700 to $749
• 212$750 to $799
• 352$800 to $899
• 179$900 to $999
• 192$1,000 to $1,249
• 20$1,250 to $1,499
• 18$1,500 to $1,999
• 91No cash rent

Median gross rent in 2017: $956.

Median price asked for vacant for-sale houses and condos in 2017: $839,705.

Estimated median house (or condo) value in 2017 for:

• White Non-Hispanic householders: $249,204
• Black or African American householders: $390,802
• Asian householders: $277,794
• Two or more races householders: $253,256
• Hispanic or Latino householders: $223,541

Estimated median house or condo value in 2017: $244,252 Lower value quartile - upper value quartile: $189,032 - $308,540

Mean price in 2017:

Detached houses: $261,729

Here:	$261,729
State:	$368,248

Townhouses or other attached units: $247,383

Here:	$247,383
State:	$609,493

In 2-unit structures: $198,896

Here:	$198,896
State:	$607,011

In 3-to-4-unit structures: $199,608

Here:	$199,608
State:	$737,380

Mobile homes: $111,452

Here:	$111,452
State:	$74,535

Housing units in structures:

• One, detached: 2,847
• One, attached: 267
• Two: 985
• 3 or 4: 570
• 5 to 9: 221
• 10 to 19: 14
• 20 to 49: 78
• 50 or more: 15
• Mobile homes: 44

Unemployment: 4.1%

• Means of transportation to work in zip code 12188

• 83.7%5,425Drove a car alone
• 6.9%445Carpooled
• 0.7%47Bus or trolley bus
• 0.3%19Taxi
• 0.1%9Bicycle
• 2.0%127Walked
• 0.3%17Other means
• 6.4%414Worked at home

• Travel time to work (commute) in zip code 12188

• 116Less than 5 minutes
• 4995 to 9 minutes
• 70510 to 14 minutes
• 1,20315 to 19 minutes
• 1,09920 to 24 minutes
• 61325 to 29 minutes
• 99130 to 34 minutes
• 33735 to 39 minutes
• 20240 to 44 minutes
• 21045 to 59 minutes
• 5360 to 89 minutes
• 4190 or more minutes

Percentage of zip code residents living and working in this county: 37.0%

Household type by relationship:

Households: 11,029

• In family households: 8,806 (1,524 male householders, 1,415 female householders)

  2,221 spouses, 2,868 children (2,651 natural, 96 adopted, 122 stepchildren), 169 grandchildren, 65 brothers or sisters, 45 parents, 151 other relatives, 287 non-relatives

• In nonfamily households: 2,228 (784 male householders (621 living alone)), 1,053 female householders (866 living alone)), 387 nonrelatives
• In group quarters: 14 (13 institutionalized population)

Size of family households: 1,358 2-persons, 776 3-persons, 601 4-persons, 103 5-persons, 92 6-persons, 6 7-or-more-persons

Size of nonfamily households: 1,487 1-person, 305 2-persons, 45 3-persons

1,172 married couples with children.
581 single-parent households (172 men, 409 women).

93.7% of residents of 12188 zip code speak English at home.
1.3% of residents speak Spanish at home (73% very well, 27% well).
3.2% of residents speak other Indo-European language at home (74% very well, 18% well, 8% not well).
1.3% of residents speak Asian or Pacific Island language at home (60% very well, 27% well, 13% not well).

Facilities with environmental interests located in this zip code:

• HENRY COMPANY (430 HUDSON RIVER ROAD in WATERFORD, NY)

  AIR MINOR (AIRS/AFS)
  STATE MASTER (New York facility tracking) - AIR PROGRAM,
  (Integrated Compliance Information System) - ICIS-02-1987-0245, FORMAL ENFORCEMENT ACTION
  TRI REPORTER (Tracking of toxic chemicals releasing facilities)
  Business SIC classification: PAINTS, VARNISHES, LACQUERS, ENAMELS, AND ALLIED PRODUCTS; ASPHALT FELTS AND COATINGS
  Organizations: JOHN KINAST (FACILITY APPLICATION CONTACT) , MONSEY PRODUCTS CORP (LEGALLY RESPONSIBLE PARTY)
  Alternative names: AMERICAN SEAL MFG CO, HENRY CO. MONSEY DIV., MONSEY PRODS. CO.

• BELL-FAB MFG CORP (380 HUDSON RIVER RD in WATERFORD, NY)

  SUPERFUND (Superfund database)
  (Integrated Compliance Information System) - ICIS-02-2001-2011, FORMAL ENFORCEMENT ACTION
  HAZARDOUS WASTE BIENNIAL REPORTER (Resource Conservation and Recovery Act (tracking hazardous waste))
  (Resource Conservation and Recovery Act (tracking hazardous waste))
  Organizations: FRANCIS E BELLEROSE (CONTACT/OPERATOR)
  Alternative names: BEL-FAB MFG. CORP.

• ARCY PLASTIC LAMINATES INC (4 BELLS LANE in WATERFORD, NY)

  AIR MINOR (AIRS/AFS)
  STATE MASTER (New York facility tracking) - AIR PROGRAM
  Business SIC classification: WOOD OFFICE AND STORE FIXTURES, PARTITIONS, SHELVING, AND LOCKERS
  

• 127 SECOND ST ( in WATERFORD, NY)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Organizations: WATER COMMSSIONERS OF THE (CONTACT/OWNER)
  Alternative names: WATERFORD WATER PLANT

• AQUA CLEAR IND LLC (423 HUDSON RIVER RD in WATERFORD, NY)

  HAZARDOUS WASTE BIENNIAL REPORTER (Resource Conservation and Recovery Act (tracking hazardous waste))
  Large Quantity Generators, more that 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
  Business NAICS classification: ALL OTHER MISCELLANEOUS CHEMICAL PRODUCT AND PREPARATION MANUFACTURING.
  

• GRAND UNION SUBSTATION (RTE 4 in WATERFORD, NY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  

• HALFMOON TOWN CLERK (191 HARRIS RD in WATERFORD, NY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  

• CONTAINER MANAGEMENT CORPORATION (3 INDUSTRY DRIVE in WATERFORD, NY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  

Housing units lacking complete plumbing facilities: 0.7%
Housing units lacking complete kitchen facilities: 0.8%

Population in 1990: 11,576.

Place of birth for U.S.-born residents:

• This state: 9,158
• Northeast: 562
• Midwest: 158
• South: 293
• West: 159

64% of the 12188 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 53% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

92% of the 12188 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 32% moved from this county.
   Out of people who lived in different houses, 47% moved from different county within same state.
   Out of people who lived in different houses, 17% moved from different state.
   Out of people who lived in different houses, 4% moved from abroad.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 78
Students in private schools in grades 9 to 12 (high school): 43 Students in private undergraduate colleges: 148

Companies with federal contracts located in this zip code (WATERFORD, NY):

• LAWRENCE CLOW (30 MOUNTAINVIEWDRIVE; small business)

  $257,632 with Department of Defense for Night Vision Equipment, Emitted and Reflected Radiation. Signed on 2003-07-07. Completion date: 2003-11-11.

• CATALLO, JOSEPH M (63 TIMBER DR; small business) : $125,248 in 15 contracts from 2004 to 2005

  Contracts for Technical Representation Services -- Vehicular Equipment Components, Technical Representation Services -- Special Industry Machinery by Army
  Signed by year: 2000: $0; 2001: $0; 2002: $0; 2003: $0; 2004: $64,570; 2005: $60,678; 2006: $0.
  
  Biggest contracts:
  $27,000 with Army for Technical Representation Services -- Vehicular Equipment Components. Signed on 2005-03-21. Completion date: 2004-12-27.
  $25,000, same as above. Signed on 2005-06-16. Completion date: 2004-12-27.
  $20,280 with Army for Technical Representation Services -- Special Industry Machinery. Signed on 2004-01-27. Completion date: 2004-05-28.
  $19,200 with Army for Technical Representation Services -- Vehicular Equipment Components. Signed on 2004-08-24. Completion date: 2004-12-27.
  

• TODD BAUER (4 BIRDS GLENN DR; small business)
  6 employees, $740000 revenue.

  $76,000 with National Park Service for Construction of Structures and Facilities -- Highways, Roads, Streets, Bridges, and Railways (includes resurfacing). Signed on 2002-07-15. Completion date: 2002-08-15.

• BURCH CONTAINER & PACKAGING, I (430 HUDSON RIVER RD; small business) : $43,877 in 2 contracts from 2002 to 2004

  $39,837 with Army for Fire Fighting Equipment. Signed on 2002-05-08. Completion date: 2002-06-30.
  $4,040, same as above. Signed on 2004-07-12. Completion date: 2004-10-13.
  

• ALLTEK ENERGY SYSTEMS INC (58 HUDSON RIVER RD; small business)

  $7,588 with Army for Maintenance, Repair or Alteration of Real Property -- Office Buildings. Signed on 2004-09-29. Completion date: 2004-11-18.

Top industries in this zip code by the number of employees in 2005:

• Other Services (except Public Administration): Religious Organizations (20-49 employees: 1 establishment, 5-9 employees: 4 establishments, 1-4 employees: 1 establishment)
• Construction: Plumbing, Heating, and Air-Conditioning Contractors (20-49: 1, 10-19: 1, 5-9: 1, 1-4: 2)
• Accommodation and Food Services: Limited-Service Restaurants (20-49: 1, 5-9: 1, 1-4: 2)
• Wholesale Trade: Metal Service Centers and Other Metal Merchant Wholesalers (20-49: 1, 5-9: 1)
• Construction: Commercial and Institutional Building Construction (20-49: 1, 1-4: 1)

Detailed HMDA statistics for the following Tracts: 0624.03 , 0624.04, 0627.00, 0628.00


Detailed PMIC statistics for the following Tracts: 0624.03 , 0624.04, 0627.00, 0628.00

Most common first names in zip code 12188 among deceased individuals
Name	Count	Lived (average)
John	118	73.3 years
Mary	111	78.1 years
William	86	73.2 years
Joseph	65	73.5 years
Robert	60	69.1 years
George	59	72.9 years
Helen	51	78.0 years
James	49	73.3 years
Thomas	43	70.4 years
Frank	43	75.9 years

Most common last names in zip code 12188 among deceased individuals
Last name	Count	Lived (average)
Smith	22	76.3 years
Baker	14	70.2 years
Cicchinelli	12	82.3 years
Clement	12	79.7 years
Roberts	12	71.7 years
Ryan	11	75.2 years
Lajeunesse	10	79.0 years
Thompson	10	78.4 years
Cassella	10	75.5 years
Clark	10	77.1 years

Businesses in zip code 12188

• Curves: 1
• FedEx: 1
• McDonald's: 1