| ZIP Code | 12197 |
|---|---|
| City | Worcester |
| State | New York (NY) |
| County | Otsego County |
| Area Code | 607 |
| Elevation | 1,657 ft |
| Latitude | 42.609999 |
|---|---|
| Longitude | -74.724749 |
| Timezone | New York (DST) |
| FIPS | 36077 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 45.5 yrs ↓ 8% since 2019 |
|---|---|
| Avg Household Size | 2.88 |
| Below Poverty | 18.3% ▲ 83% above avg |
| College Grads | 46.3% ▲ 19% above avg |
| Unemployment | 3.3% ▼ 32% below avg |
| No HS Diploma | 9 (0.6%) |
| HS Graduate | 385 (25.3%) |
| Some College | 125 (8.2%) |
| Associates | 297 (19.6%) |
| Bachelors | 273 (18%) |
| Graduate Degree | 430 (28.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $78,750 ≈ Avg ↑ 62% since 2019 |
|---|---|
| Median Home Value | $163,300 ▼ 41% below avg ↑ 26% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Median Rent | $783/mo ↓ 11% since 2019 |
| Total Units | 1,222 |
| Vacant Units | 442 |
| Avg HH Size | 2.88 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,222 |
|---|---|
| Vacant | 442 |
| Owner Occupied | 95.3% |
| Renter Occupied | 4.7% |
| Avg HH Size | 2.88 |
ZIP code 12197 is located in Worcester, New York, within Otsego County. With a population of 2,275, this is a sparsely populated ZIP code with a mature community — the median age is 45.5 years. Economically, 12197 is a middle-income ZIP code: the median household income of $78,750 is near the national average.
Real estate in ZIP code 12197 represents an affordable housing market. The median home value of $163,300 is below the national average. Renters can expect to pay around $783 per month in median rent. Homeownership is strong here — 95.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 26% since 2019.
The population of 12197 is primarily White (83.21%). Residents are well-educated — 46.3% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 18.3%. Household income has grown by 62% since 2019.
The unemployment rate in 12197 stands at 3.3%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 12197 in Worcester, NY is characterized as middle-income, well-educated, a mature community, and predominantly owner-occupied. With 2,275 residents, a median household income of $78,750, and a median home value of $163,300, it offers a clear picture of life in this part of New York.