The story of this market
The typical home in ZIP 12170 sells for about $349,900, or $219 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 45 days to sell. HUD's fair market rent for a two-bedroom is $1,240 a month.
ZIP 12170 — Stillwater
The 12170 housing market remains stable with moderate price appreciation driven by low inventory and consistent demand from families working in the nearby tech corridor. While sales volume is constrained by limited supply, the market maintains a healthy balance between buyers and sellers, with homes spending an average of 45 days on the market.
This ZIP is ideal for families and commuters seeking a balance between rural character and proximity to the Saratoga/Albany tech corridor, offering more affordable entry-level housing than neighboring Saratoga Springs.
Median prices moved up 4.2% year over year.
Homes spend a median of 45 days on market with 3.8 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.0% · poverty 8.6% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 2.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 12170, Saratoga County NY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Stillwater are generally low and consistent with rural Saratoga County trends, remaining well below the regional averages for the larger Albany-Schenectady-Troy metro area.
Schools serving the area are primarily part of the Stillwater Central School District, which is generally characterized as providing a stable, community-focused educational environment.
The area faces moderate risk from seasonal flooding due to its proximity to the Hudson River, while wildfire risk remains low; property insurance premiums are stable but reflect regional weather-related adjustments.
Economic momentum is driven by proximity to the GlobalFoundries semiconductor campus in nearby Malta and ongoing residential development, supported by access to the Northway (I-87) corridor.
Property taxes are levied by Saratoga County, the Town of Stillwater, and the local school district; the area does not utilize MUDs, though school district taxes represent the largest portion of the annual tax bill.
Commuters primarily utilize NY-4 and US-4 to reach the Albany employment core, with most residents facing a 25-35 minute drive to major regional job centers.
The area features significant historical and outdoor amenities, including the Saratoga National Historical Park, access to the Hudson River for boating, and proximity to Saratoga Lake and local golf courses.
The rental market is characterized by limited inventory and high demand for 2-bedroom units, with rents trending upward due to low vacancy rates and minimal new multi-family construction.
The economy is anchored by the semiconductor and technology sector in the Saratoga County corridor, supplemented by local retail, education, and government services in the Albany metro area.
Transportation is heavily reliant on private vehicles, with NY-4 serving as the primary north-south artery; public transit options are limited compared to the urban core.
Development is focused on low-density residential growth and infrastructure improvements to support the increased traffic from the nearby tech-sector expansion.
Saratoga County utilizes a decentralized assessment system where individual towns manage their own assessment rolls under state oversight.
Parcels are served by the Stillwater Central School District and various local fire and water districts; no major MUDs or PIDs are present.
Property insurance remains stable, though carriers are increasingly evaluating flood-risk zones near the Hudson River for new policy underwriting.
New York State continues to see net domestic out-migration, though Saratoga County remains a destination for internal migration from the NYC metro area.
New York is a judicial foreclosure state, requiring court intervention for all foreclosure proceedings, which typically results in longer timelines for lenders.
New York requires a comprehensive Property Condition Disclosure Statement from sellers, covering structural, mechanical, and environmental conditions.
Data retrieved from US Census Bureau ACS 5-year estimates for ZCTA 12170.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Liberty Ridge Farm4.36.5 mi
- Spare Time Clifton Park4.311.6 mi
- Sky Zone Clifton Park4.112 mi
- Chuck E. Cheese418.5 mi
- Sky Zone Queensbury4.419.5 mi
- Saratoga Performing Arts Center (SPAC)4.57.1 mi
- Saratoga Race Course4.76.2 mi
- Proctors4.719.3 mi
- Liberty Ridge Farm4.36.5 mi
- Saratoga Springs City Center4.57.2 mi
- Saratoga Spa State Park4.86.7 mi
- Saratoga National Historical Park4.81.4 mi
- Liberty Ridge Farm4.36.5 mi
- Wilton Town Gavin Park4.58.1 mi
- Saratoga Automobile Museum4.67.1 mi
- Saratoga National Historical Park4.81.4 mi
- Saratoga Automobile Museum4.67.1 mi
- Children's Museum at Saratoga4.56.7 mi
- miSci | Museum of Innovation & Science4.419 mi
- Ulysses S. Grant Cottage National Historic Landmark4.913.4 mi
- Saratoga Spa State Park4.86.7 mi
- Saratoga National Historical Park4.81.4 mi
- Wilton Town Gavin Park4.58.1 mi
- Congress Park4.77 mi
- Clifton Common4.512.7 mi
- Lee's Park4.33.4 mi
- Town of Stillwater Brown's Beach4.33.8 mi
- Mohawk Harbor4.618.4 mi
- Point Breeze Marine3.73.5 mi
- Saratoga National Golf Club4.54.6 mi
- Eagle Crest Golf Club4.412.3 mi
- Saratoga Spa Golf Course4.46.6 mi
- Saratoga Lake Golf Club4.13.6 mi
- McGregor Links Country Club4.29.1 mi
- Wilton Mall3.96.8 mi
- Market 324.17.1 mi
- Marshalls & HomeGoods4.311.9 mi
- Fred the Butcher4.712.8 mi
- Clifton Park Center4.111.9 mi
- Albany International Airport4.119.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
A major national landmark commemorating the Battle of Saratoga.
Provides extensive opportunities for fishing, boating, and scenic recreation.
Local public course serving the immediate community.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.