Amsterdam, NY · standard
ZIP Code 12010
Montgomery County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 28,937
- 86/sq mi Moderate-density area
- $63,696
- Median income Near-median income area
- $180,200
- Median home value Near-median home value
- 25.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Amsterdam pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 36th pct
- household income, US ZIPs
- 38th pct
- home value, US ZIPs
- 86
- people per sq mi
- 65%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12010 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 12010 (Amsterdam, NY) fell -7.3% from 2023 to 2024. The all-transactions index moved from 285.8 in 2023 to 264.9 in 2024 (2000 = 100).
ZIP code 12010 is a densely settled ZIP (a standard USPS delivery area) in Amsterdam, Montgomery County, New York, with 28,937 residents across 338.4 square miles, a density of 86 people per square mile, in the New York time zone.
ZIP 12010 reports a modest median household income of $63,696 (31% below the average New York ZIP), while per-capita income is $36,408. The poverty rate is 15.7%, with unemployment at 6.1%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $180,200 (52% below the average New York ZIP), and median rent is $1,000; owner occupancy is 64.9%.
Educational attainment sits below the national norm: 25.6% of adults hold a bachelor's degree or higher, the median age is 42.1, and the average commute is 23 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 12010 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 12010
Top 5 sectors by establishment count in Amsterdam, NY
Which industries have the most business establishments in ZIP 12010.
- Health care and social assistance
Health care and social assistance
142 establishments
- Retail trade
Retail trade
113 establishments
- Accommodation and food services
Accommodation and food services
81 establishments
- Construction
Construction
77 establishments
- Other services (except public administration)
Other services (except public administration)
69 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 12010, Amsterdam, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
28,937
Population
338.4
Area (sq mi)
86
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12010?
42.1
Median Age
49.7%
Male
50.3%
Female
4.4%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$63,696
Median Household Income
-31% vs state ZIP avg
$36,408
Per Capita Income
15.7%
Poverty Rate
6.1%
Unemployment Rate
23.4 min
Mean Commute Time
How ZIP 12010 ranks among New York ZIPs
Amsterdam, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$63,696 22nd percentile higher than 22% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
13,572housing units
13,572
Total Housing Units
11,488
Occupied Units
2,084
Vacant Units
2.35
Avg Household Size
Occupancy Type
$180,200
Median Home Value
-52% vs state ZIP avg
$1,000
Median Rent
1947
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-7.3%
YoY Change (2024)
265
HPI Index (2000 = 100)
+165%
Total Change Since 2000
Home values in ZIP 12010 have decreased 7.3% over the past year (2024). Since 2000, this ZIP has seen +165% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.2% | 188 |
| 2021 | +15.4% | 217 |
| 2022 | +8.1% | 234 |
| 2023 | +22.1% | 286 |
| 2024 | -7.3% | 265 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 711 business establishments in ZIP 12010, employing approximately 12,716 people with a combined annual payroll of $680,324,000.
711
Businesses
12,716
Employees
$680.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 142 | 20.0% |
| Retail trade | 113 | 15.9% |
| Accommodation and food services | 81 | 11.4% |
| Construction | 77 | 10.8% |
| Other services (except public administration) | 69 | 9.7% |
| Professional, scientific, and technical services | 38 | 5.3% |
| Transportation and warehousing | 32 | 4.5% |
| Manufacturing | 30 | 4.2% |
| Real estate and rental and leasing | 26 | 3.7% |
| Finance and insurance | 25 | 3.5% |
| Administrative and support and waste management and remediation services | 25 | 3.5% |
| Wholesale trade | 23 | 3.2% |
| Information | 13 | 1.8% |
| Educational services | 5 | 0.7% |
| Arts, entertainment, and recreation | 5 | 0.7% |
| Management of companies and enterprises | 4 | 0.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 12010 vs 12069 →
ZIP 12010 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12010
Amsterdam (12010)
28,937 residents
- 12306
Schenectady (12306)
25,636 residents
- 12025 5,505
Broadalbin (12025)
5,505 residents
- 12074 2,963
Galway (12074)
2,963 residents
- 12086 1,865
Hagaman (12086)
1,865 residents
- 12137 1,679
Pattersonville (12137)
1,679 residents
- 12070 1,410
Fort Johnson (12070)
1,410 residents
- 12150 914
Rotterdam Junction (12150)
914 residents
- 12177 518
Tribes Hill (12177)
518 residents
What this shows Among its immediate neighbors, ZIP 12010 ranks the most populous - useful context the national average alone can't give.
ZIP 12010 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12074
Galway (12074)
$94,583 median income
- 12177
Tribes Hill (12177)
$92,444 median income
- 12069
Fort Hunter (12069)
$90,179 median income
- 12070
Fort Johnson (12070)
$86,989 median income
- 12137
Pattersonville (12137)
$83,879 median income
- 12306
Schenectady (12306)
$83,202 median income
- 12150
Rotterdam Junction (12150)
$79,776 median income
- 12086
Hagaman (12086)
$78,155 median income
- 12025
Broadalbin (12025)
$74,352 median income
What this shows By household income, ZIP 12010 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12069 | Fort Hunter, NY | 256 | 5.3 mi |
| 12177 | Tribes Hill, NY | 518 | 5.8 mi |
| 12086 | Hagaman, NY | 1,865 | 5.3 mi |
| 12070 | Fort Johnson, NY | 1,410 | 5.2 mi |
| 12137 | Pattersonville, NY | 1,679 | 6.1 mi |
| 12150 | Rotterdam Junction, NY | 914 | 7.3 mi |
| 12025 | Broadalbin, NY | 5,505 | 10.2 mi |
| 12074 | Galway, NY | 2,963 | 10.2 mi |
| 12306 | Schenectady, NY | 25,636 | 11.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12010, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (28,937 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 12010 in?
ZIP code 12010 (Amsterdam) is located in Montgomery County, New York. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-ny.
What is the population of ZIP code 12010?
ZIP code 12010 in Amsterdam, NY has a population of 28,937 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12010?
The median household income in ZIP 12010 is $63,696, which is 17% below the national average of $76,288.
What is the average home value in ZIP 12010?
The median home value in ZIP 12010 is $180,200, which is 35% below the national average of $278,155.
What is the demographic makeup of ZIP 12010?
The largest racial group in ZIP 12010 is White at 70.2%. Hispanic or Latino residents make up 23.9% of the population.
How many businesses are in ZIP code 12010?
ZIP code 12010 has 711 business establishments employing approximately 12,716 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12010?
The top industries by establishment count in ZIP 12010 are: Health care and social assistance (142), Retail trade (113), Accommodation and food services (81). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 12010?
According to the FHFA House Price Index, home values in ZIP 12010 decreased by 7.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 165%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 12010?
In ZIP code 12010, 60.0% of residents aged 25+ have a high school diploma or higher, and 25.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 12010?
The mean commute time for workers in ZIP code 12010 is 23.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 12010?
In ZIP code 12010, approximately 64.9% of occupied housing units are owner-occupied and 35.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12010?
The poverty rate in ZIP code 12010 is 15.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 12010's numbers, next.
- See how ZIP 12010 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Amsterdam, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.