| ZIP Code | 12092 |
|---|---|
| City | Howes Cave |
| State | New York (NY) |
| County | Schoharie County |
| Area Code | 518/838 |
| Elevation | 1,056 ft |
| Latitude | 42.705938 |
|---|---|
| Longitude | -74.379565 |
| Timezone | New York (DST) |
| FIPS | 36095 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 48.6 yrs ↓ 12% since 2019 |
|---|---|
| Avg Household Size | 2.22 |
| Below Poverty | 13.4% ▲ 34% above avg |
| College Grads | 41.8% ▲ 8% above avg |
| Unemployment | 2.9% ▼ 41% below avg |
| No HS Diploma | 28 (2.7%) |
| HS Graduate | 212 (20.6%) |
| Some College | 208 (20.2%) |
| Associates | 152 (14.7%) |
| Bachelors | 125 (12.1%) |
| Graduate Degree | 306 (29.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $70,938 ≈ Avg ↑ 98% since 2019 |
|---|---|
| Median Home Value | $204,200 ▼ 27% below avg ↑ 85% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Median Rent | $1,007/mo ↑ 10% since 2019 |
| Total Units | 705 |
| Vacant Units | 64 |
| Avg HH Size | 2.22 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 705 |
|---|---|
| Vacant | 64 |
| Owner Occupied | 70.4% |
| Renter Occupied | 29.6% |
| Avg HH Size | 2.22 |
ZIP code 12092 is located in Howes Cave, New York, within Schoharie County. With a population of 1,423, this is a sparsely populated ZIP code with a mature community — the median age is 48.6 years. Economically, 12092 is a solidly middle-class ZIP code: the median household income of $70,938 is near the national average.
Real estate in ZIP code 12092 represents an affordable housing market. The median home value of $204,200 is below the national average. Renters can expect to pay around $1,007 per month in median rent. Homeownership is strong here — 70.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 85% since 2019.
The population of 12092 is primarily White (87.35%). Residents are well-educated — 41.8% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 13.4%. Household income has grown by 98% since 2019.
The unemployment rate in 12092 stands at 2.9%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 89%.
Overall, ZIP code 12092 in Howes Cave, NY is characterized as solidly middle-class, well-educated, a mature community, and predominantly owner-occupied. With 1,423 residents, a median household income of $70,938, and a median home value of $204,200, it offers a clear picture of life in this part of New York.