| ZIP Code | 12032 |
|---|---|
| City | Caroga Lake |
| State | New York (NY) |
| County | Fulton County |
| Area Code | 518/838 |
| Elevation | 2,056 ft |
| Latitude | 43.287999 |
|---|---|
| Longitude | -74.591429 |
| Timezone | New York (DST) |
| FIPS | 36035 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 52.0 yrs ↓ 10% since 2019 |
|---|---|
| Avg Household Size | 2.01 |
| Below Poverty | 7.9% ▼ 21% below avg |
| College Grads | 36.5% ≈ Avg |
| Unemployment | 2.3% ▼ 54% below avg |
| HS Graduate | 257 (47.4%) |
| Some College | 61 (11.3%) |
| Associates | 26 (4.8%) |
| Bachelors | 102 (18.8%) |
| Graduate Degree | 96 (17.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $54,375 ▼ 29% below avg ↑ 11% since 2019 |
|---|---|
| Median Home Value | $163,800 ▼ 41% below avg ↑ 38% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Total Units | 1,302 |
| Vacant Units | 948 |
| Avg HH Size | 2.01 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,302 |
|---|---|
| Vacant | 948 |
| Owner Occupied | 91.2% |
| Renter Occupied | 8.8% |
| Avg HH Size | 2.01 |
ZIP code 12032 is located in Caroga Lake, New York, within Fulton County. With a population of 710, this is a sparsely populated ZIP code with a mature community — the median age is 52 years. Economically, 12032 is a working-class ZIP code: the median household income of $54,375 is below the national average.
Real estate in ZIP code 12032 represents an affordable housing market. The median home value of $163,800 is below the national average. Homeownership is strong here — 91.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 38% since 2019.
The population of 12032 is primarily White (97.61%). Residents are moderately educated — 36.5% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 7.9%. Household income has grown by 11% since 2019.
The unemployment rate in 12032 stands at 2.3%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 88%.
Overall, ZIP code 12032 in Caroga Lake, NY is characterized as working-class, moderately educated, a mature community, and predominantly owner-occupied. With 710 residents, a median household income of $54,375, and a median home value of $163,800, it offers a clear picture of life in this part of New York.