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 Low-density area
- $65,789
- Median income Near-median income area
- $182,300
- Median home value Near-median home value
- 20.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average New York ZIP), while per-capita income is $43,961. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.1% and unemployment is 2.1%. Home values sit below the statewide ZIP benchmark: the median is $182,300 (52% below the average New York ZIP); owner occupancy is 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 -. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Fulton County, so 12032 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 12032
Top 5 sectors by establishment count in Caroga Lake, NY
Which industries have the most business establishments in ZIP 12032.
- Retail trade
Retail trade
5 establishments
- Accommodation and food services
Accommodation and food services
5 establishments
- Construction
Construction
3 establishments
- Arts, entertainment, and recreation
Arts, entertainment, and recreation
3 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 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
Who lives in ZIP 12032?
55.2
Median Age
41.8%
Male
58.2%
Female
0.5%
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?
$65,789
Median Household Income
-29% vs state ZIP avg
$43,961
Per Capita Income
6.1%
Poverty Rate
2.1%
Unemployment Rate
How ZIP 12032 ranks among New York ZIPs
Caroga Lake, 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)
$65,789 25th percentile higher than 25% 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
1,343housing units
1,343
Total Housing Units
352
Occupied Units
991
Vacant Units
1.88
Avg Household Size
Occupancy Type
$182,300
Median Home Value
-52% vs state ZIP avg
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.
- 13329
Dolgeville (13329)
3,889 residents
- 12032 836
Caroga Lake (12032)
836 residents
- 13470 725
Stratford (13470)
725 residents
What this shows Among its immediate neighbors, ZIP 12032 ranks #2 by population - useful context the national average alone can't give.
ZIP 12032 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13470
Stratford (13470)
$75,313 median income
- 12032
Caroga Lake (12032)
$65,789 median income
- 13329
Dolgeville (13329)
$60,104 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12032, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Fulton County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12032's numbers, next.
- See how ZIP 12032 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Caroga Lake, 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.