| ZIP Code | 12937 |
|---|---|
| City | Fort Covington |
| State | New York (NY) |
| County | Franklin County |
| Area Code | 518/838 |
| Elevation | 211 ft |
| Latitude | 44.955224 |
|---|---|
| Longitude | -74.488146 |
| Timezone | New York (DST) |
| FIPS | 36033 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.9 yrs ↑ 22% since 2019 |
|---|---|
| Avg Household Size | 2.45 |
| Below Poverty | 20.7% ▲ 107% above avg |
| College Grads | 37.0% ≈ Avg |
| Unemployment | 0.7% ▼ 86% below avg |
| No HS Diploma | 3 (0.3%) |
| HS Graduate | 297 (34.4%) |
| Some College | 133 (15.4%) |
| Associates | 111 (12.8%) |
| Bachelors | 191 (22.1%) |
| Graduate Degree | 129 (14.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $49,265 ▼ 35% below avg ↑ 8% since 2019 |
|---|---|
| Median Home Value | $103,300 ▼ 63% below avg ↑ 29% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Median Rent | $808/mo |
| Total Units | 664 |
| Vacant Units | 118 |
| Avg HH Size | 2.45 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 664 |
|---|---|
| Vacant | 118 |
| Owner Occupied | 83.3% |
| Renter Occupied | 16.7% |
| Avg HH Size | 2.45 |
ZIP code 12937 is located in Fort Covington, New York, within Franklin County. With a population of 1,340, this is a sparsely populated ZIP code with a middle-aged community — the median age is 39.9 years. Economically, 12937 is a working-class ZIP code: the median household income of $49,265 is below the national average.
Real estate in ZIP code 12937 represents one of the more affordable housing markets in the country. The median home value of $103,300 is well below the national average. Renters can expect to pay around $808 per month in median rent. Homeownership is strong here — 83.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 29% since 2019.
The population of 12937 is primarily White (91.12%). Residents are moderately educated — 37.0% hold a bachelor's degree or higher, which is near the national average. Poverty affects a significant share of residents at 20.7%. Household income has grown by 8% since 2019.
The unemployment rate in 12937 stands at 0.7%, which is well below the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 61%.
Overall, ZIP code 12937 in Fort Covington, NY is characterized as working-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 1,340 residents, a median household income of $49,265, and a median home value of $103,300, it offers a clear picture of life in this part of New York.