| ZIP Code | 12565 |
|---|---|
| City | Philmont |
| State | New York (NY) |
| County | Columbia County |
| Area Code | 838 |
| Elevation | 526 ft |
| Latitude | 42.249004 |
|---|---|
| Longitude | -73.646902 |
| Timezone | New York (DST) |
| FIPS | 36021 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.7 yrs ↑ 8% since 2019 |
|---|---|
| Avg Household Size | 2.62 |
| Below Poverty | 8.2% ▼ 18% below avg |
| College Grads | 33.5% ▼ 14% below avg |
| Unemployment | 8.9% ▲ 81% above avg |
| No HS Diploma | 5 (0.5%) |
| HS Graduate | 391 (37.4%) |
| Some College | 182 (17.4%) |
| Associates | 117 (11.2%) |
| Bachelors | 76 (7.3%) |
| Graduate Degree | 274 (26.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $62,972 ▼ 17% below avg ↑ 25% since 2019 |
|---|---|
| Median Home Value | $215,700 ▼ 23% below avg ↑ 45% since 2019 |
| Home/Income Ratio | 3.4x (nat avg ~3.5x) |
| Median Rent | $1,036/mo ↑ 23% since 2019 |
| Total Units | 744 |
| Vacant Units | 174 |
| Avg HH Size | 2.62 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 744 |
|---|---|
| Vacant | 174 |
| Owner Occupied | 59.3% |
| Renter Occupied | 40.7% |
| Avg HH Size | 2.62 |
ZIP code 12565 is located in Philmont, New York, within Columbia County. With a population of 1,575, this is a sparsely populated ZIP code with a middle-aged community — the median age is 42.7 years. Economically, 12565 is a solidly middle-class ZIP code: the median household income of $62,972 is below the national average.
Real estate in ZIP code 12565 represents an affordable housing market. The median home value of $215,700 is below the national average. Renters can expect to pay around $1,036 per month in median rent. The area has a relatively balanced mix of owners (59.3%) and renters (40.7%). Median home values have increased by 45% since 2019.
The population of 12565 is primarily White (78.60%). Residents are moderately educated — 33.5% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 8.2%. Household income has grown by 25% since 2019.
The unemployment rate in 12565 stands at 8.9%, which is significantly above the national average. About 12% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 71%.
Overall, ZIP code 12565 in Philmont, NY is characterized as solidly middle-class, moderately educated, and a middle-aged community. With 1,575 residents, a median household income of $62,972, and a median home value of $215,700, it offers a clear picture of life in this part of New York.