| ZIP Code | 12076 |
|---|---|
| City | Gilboa |
| State | New York (NY) |
| County | Schoharie County |
| Area Code | 607 |
| Elevation | 1,934 ft |
| Latitude | 42.399716 |
|---|---|
| Longitude | -74.390523 |
| Timezone | New York (DST) |
| FIPS | 36095 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 55.6 yrs |
|---|---|
| Avg Household Size | 2.28 |
| Below Poverty | 8.9% ▼ 11% below avg |
| College Grads | 43.3% ▲ 12% above avg |
| Unemployment | 7.1% ▲ 45% above avg |
| No HS Diploma | 21 (2.1%) |
| HS Graduate | 343 (35.1%) |
| Some College | 72 (7.4%) |
| Associates | 118 (12.1%) |
| Bachelors | 158 (16.2%) |
| Graduate Degree | 265 (27.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $73,056 ≈ Avg ↑ 29% since 2019 |
|---|---|
| Median Home Value | $218,200 ▼ 22% below avg ↑ 44% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $983/mo ↑ 26% since 2019 |
| Total Units | 1,162 |
| Vacant Units | 584 |
| Avg HH Size | 2.28 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,162 |
|---|---|
| Vacant | 584 |
| Owner Occupied | 93.9% |
| Renter Occupied | 6.1% |
| Avg HH Size | 2.28 |
ZIP code 12076 is located in Gilboa, New York, within Schoharie County. With a population of 1,316, this is a sparsely populated ZIP code with an older community — the median age is 55.6 years. Economically, 12076 is a solidly middle-class ZIP code: the median household income of $73,056 is near the national average.
Real estate in ZIP code 12076 represents an affordable housing market. The median home value of $218,200 is below the national average. Renters can expect to pay around $983 per month in median rent. Homeownership is strong here — 93.9% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 44% since 2019.
The population of 12076 is primarily White (81.84%). Residents are well-educated — 43.3% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 8.9%. Household income has grown by 29% since 2019.
The unemployment rate in 12076 stands at 7.1%, which is above the national average. As in most parts of the country, driving alone is the dominant commute mode at 86%.
Overall, ZIP code 12076 in Gilboa, NY is characterized as solidly middle-class, well-educated, an older community, and predominantly owner-occupied. With 1,316 residents, a median household income of $73,056, and a median home value of $218,200, it offers a clear picture of life in this part of New York.