PlainZIP

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
$63,696
Median income
$180,200
Median home value
25.6%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $36,408. 15.7% of residents live below the poverty line, and the unemployment rate reads 6.1%. On housing, the median home value is $180,200 (52% below the state average) with median rent at $1,000 per month, and 64.9% of occupied units are owner-occupied.

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. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 12010 against its immediate geography rather than a national average alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 12010?

42.1

Median Age

49.7%

Male

50.3%

Female

4.4%

Foreign-Born

White 70.2%
African American 4.8%
Asian 1.6%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.6%
Hispanic or Latino 23.9%

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

$36,408

Per Capita Income

15.7%

Poverty Rate

6.1%

Unemployment Rate

23.4 min

Mean Commute Time

How ZIP 12010 ranks nationally

Amsterdam, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$63,696 36th percentile higher than 36% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 60.0%
Bachelor's Degree or Higher 25.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

13,572

Total Housing Units

11,488

Occupied Units

2,084

Vacant Units

2.35

Avg Household Size

Occupancy Type

Owner 64.9%
Renter 35.1%

$180,200

Median Home Value

-52% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 12010 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 12010 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Montgomery County

13452 standard
Saint Johnsville, NY
Pop: 4,629
13317 standard
Canajoharie, NY
Pop: 3,784
12068 standard
Fonda, NY
Pop: 3,201
12072 standard
Fultonville, NY
Pop: 2,890
12086 standard
Hagaman, NY
Pop: 1,865
13428 standard
Palatine Bridge, NY
Pop: 1,635

Related Areas

Montgomery County Amsterdam, NY New York

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.

Read our methodology to see how this data is sourced, computed, and verified.