PlainZIP

Caroga Lake, NY · standard

ZIP Code 12032

Fulton County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

836
4/sq mi
$65,789
Median income
$182,300
Median home value
20.7%
Bachelor's or higher

The verdict

Caroga Lake pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

40th pct
household income, US ZIPs
39th pct
home value, US ZIPs
4
people per sq mi
94%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12032 against every reporting US ZIP.

ZIP code 12032 is a sparsely populated ZIP (a standard USPS delivery area) in Caroga Lake, Fulton County, New York, home to just 836 residents across 232.2 square miles, a density of 4 people per square mile, in the New York time zone.

ZIP 12032 reports a modest median household income of $65,789 (29% below the New York average), while per-capita income is $43,961. 6.1% of residents live below the poverty line, and the unemployment rate reads 2.1%. Median home value sits at $182,300 (52% below the state average), median rent at - a month, and owner-occupancy at 93.5%.

Educational attainment sits below the national norm: 20.7% of adults hold a bachelor's degree or higher, the median age is 55.2, and the average commute is -. To put 12032 in local context, 2 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Fulton County, for a geography-aware comparison.

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 12032

Top 5 sectors by establishment count in Caroga Lake, NY

Which industries have the most business establishments in ZIP 12032.

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 12032, Caroga Lake, 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

836

Population

232.2

Area (sq mi)

4

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 12032?

55.2

Median Age

41.8%

Male

58.2%

Female

0.5%

Foreign-Born

White 98.8%
African American 0.2%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.1%
Hispanic or Latino 0.6%

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?

$65,789

Median Household Income

-29% vs state

$43,961

Per Capita Income

6.1%

Poverty Rate

2.1%

Unemployment Rate

How ZIP 12032 ranks nationally

Caroga Lake, NY household income vs. every US ZIP code

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

$65,789 40th percentile higher than 40% 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 62.1%
Bachelor's Degree or Higher 20.7%

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

What does housing look like?

1,343

Total Housing Units

352

Occupied Units

991

Vacant Units

1.88

Avg Household Size

Occupancy Type

Owner 93.5%
Renter 6.5%

$182,300

Median Home Value

-52% vs state

1948

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 19 business establishments in ZIP 12032, employing approximately 78 people with a combined annual payroll of $2,175,000.

19

Businesses

78

Employees

$2.2M

Annual Payroll

4

Industry Sectors

Industry Establishments % of Total
Retail trade 5 26.3%
Accommodation and food services 5 26.3%
Construction 3 15.8%
Arts, entertainment, and recreation 3 15.8%

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 12032 vs 13470 →

ZIP 12032 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 12032 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 12032 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 12032 ranks #2 of 3 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
13470 Stratford, NY 725 5.1 mi
13329 Dolgeville, NY 3,889 11.3 mi

More ZIP Codes in Fulton County

12078 standard
Gloversville, NY
Pop: 23,773
12095 standard
Johnstown, NY
Pop: 12,606
12025 standard
Broadalbin, NY
Pop: 5,505
12134 standard
Northville, NY
Pop: 3,516
12117 standard
Mayfield, NY
Pop: 3,256
13470 standard
Stratford, NY
Pop: 725

Related Areas

Fulton County Caroga Lake, NY New York

Frequently Asked Questions

What county is ZIP code 12032 in? ▼
ZIP code 12032 (Caroga Lake) is located in Fulton County, New York. Fulton County contains multiple ZIP codes, see the full list at /counties/fulton-ny.
What is the population of ZIP code 12032? ▼
ZIP code 12032 in Caroga Lake, NY has a population of 836 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12032? ▼
The median household income in ZIP 12032 is $65,789, which is 14% below the national average of $76,288.
What is the average home value in ZIP 12032? ▼
The median home value in ZIP 12032 is $182,300, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 12032? ▼
The largest racial group in ZIP 12032 is White at 98.8%. Hispanic or Latino residents make up 0.6% of the population.
How many businesses are in ZIP code 12032? ▼
ZIP code 12032 has 19 business establishments employing approximately 78 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12032? ▼
The top industries by establishment count in ZIP 12032 are: Retail trade (5), Accommodation and food services (5), Construction (3). There are 4 industry sectors represented in total.
What is the education level in ZIP code 12032? ▼
In ZIP code 12032, 62.1% of residents aged 25+ have a high school diploma or higher, and 20.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 12032? ▼
In ZIP code 12032, approximately 93.5% of occupied housing units are owner-occupied and 6.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12032? ▼
The poverty rate in ZIP code 12032 is 6.1% 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.