PlainZIP

Chatham, NY · standard

ZIP Code 12037

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

4,015
50/sq mi
$89,844
Median income
$343,900
Median home value
51.7%
Bachelor's or higher

The verdict

Chatham pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 27%
household income, US ZIPs
Top 27%
home value, US ZIPs
50
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12037 against every reporting US ZIP.

ZIP code 12037 covers 79.8 square miles in Chatham, Columbia County, New York (a standard USPS delivery area), with a modest 4,015 residents on file, a density of 50 people per square mile, in the New York time zone.

ZIP 12037 lands in the middle-income range, with a median household income of $89,844 (3% below the New York average), while per-capita income is $52,994. Poverty here runs at 16.8%, with unemployment measured at 1.9%. On housing, the median home value is $343,900 (9% below the state average) with median rent at $1,067 per month, and 72.2% of occupied units are owner-occupied.

This is a highly-educated ZIP: 51.7% of adults hold a bachelor's degree or higher, the median age is 50.1, and the average commute is 25 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Columbia County, letting you compare 12037 to its immediate surroundings rather than a national baseline 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 12037

Top 5 sectors by establishment count in Chatham, NY

Which industries have the most business establishments in ZIP 12037.

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 12037, Chatham, 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

4,015

Population

79.8

Area (sq mi)

50

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 12037?

50.1

Median Age

48.3%

Male

51.7%

Female

8.3%

Foreign-Born

White 84.0%
African American 0.5%
Asian 1.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.9%
Hispanic or Latino 3.6%

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?

$89,844

Median Household Income

-3% vs state

$52,994

Per Capita Income

16.8%

Poverty Rate

1.9%

Unemployment Rate

24.5 min

Mean Commute Time

How ZIP 12037 ranks nationally

Chatham, NY household income vs. every US ZIP code

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

$89,844 Top 27% higher than 73% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 73.7%
Bachelor's Degree or Higher 51.7%

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

What does housing look like?

2,129

Total Housing Units

1,839

Occupied Units

290

Vacant Units

2.11

Avg Household Size

Occupancy Type

Owner 72.2%
Renter 27.8%

$343,900

Median Home Value

-9% vs state

$1,067

Median Rent

1950

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

+29.2%

YoY Change (2023)

261

HPI Index (2000 = 100)

+161%

Total Change Since 2000

Home values in ZIP 12037 have increased 29.2% over the past year (2023). Since 2000, this ZIP has seen +161% cumulative appreciation.

Year Annual Change HPI Index
2019 +9.9% 170
2020 +0.6% 171
2021 +23.4% 211
2022 -4.1% 202
2023 +29.2% 261

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 2023. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 147 business establishments in ZIP 12037, employing approximately 960 people with a combined annual payroll of $47,317,000.

147

Businesses

960

Employees

$47.3M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Retail trade 28 19.1%
Professional, scientific, and technical services 22 15.0%
Accommodation and food services 15 10.2%
Other services (except public administration) 13 8.8%
Construction 10 6.8%
Health care and social assistance 10 6.8%
Finance and insurance 9 6.1%
Arts, entertainment, and recreation 8 5.4%
Manufacturing 7 4.8%
Information 7 4.8%
Real estate and rental and leasing 7 4.8%
Administrative and support and waste management and remediation services 7 4.8%

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 12037 vs 12165 →

ZIP 12037 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 12037 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 12037 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 12037 ranks #6 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
12165 Spencertown, NY 175 3.9 mi
12136 Old Chatham, NY 804 6.3 mi
12075 Ghent, NY 3,418 4.6 mi
12017 Austerlitz, NY 435 5.7 mi
12115 Malden Bridge, NY 189 8.8 mi
12060 East Chatham, NY 1,507 6.2 mi
12184 Valatie, NY 7,148 6.8 mi
12529 Hillsdale, NY 2,859 9.1 mi
12024 Brainard, NY 31 9.3 mi
12565 Philmont, NY 1,487 7.8 mi

More ZIP Codes in Columbia County

12534 standard
Hudson, NY
Pop: 17,867
12184 standard
Valatie, NY
Pop: 7,148
12526 standard
Germantown, NY
Pop: 3,686
12075 standard
Ghent, NY
Pop: 3,418
12529 standard
Hillsdale, NY
Pop: 2,859
12106 standard
Kinderhook, NY
Pop: 2,193

Related Areas

Columbia County Chatham, NY New York

Frequently Asked Questions

What county is ZIP code 12037 in? ▼
ZIP code 12037 (Chatham) is located in Columbia County, New York. Columbia County contains multiple ZIP codes, see the full list at /counties/columbia-ny.
What is the population of ZIP code 12037? ▼
ZIP code 12037 in Chatham, NY has a population of 4,015 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12037? ▼
The median household income in ZIP 12037 is $89,844, which is 18% above the national average of $76,288.
What is the average home value in ZIP 12037? ▼
The median home value in ZIP 12037 is $343,900, which is 24% above the national average of $278,155.
What is the demographic makeup of ZIP 12037? ▼
The largest racial group in ZIP 12037 is White at 84.0%. Hispanic or Latino residents make up 3.6% of the population.
How many businesses are in ZIP code 12037? ▼
ZIP code 12037 has 147 business establishments employing approximately 960 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12037? ▼
The top industries by establishment count in ZIP 12037 are: Retail trade (28), Professional, scientific, and technical services (22), Accommodation and food services (15). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 12037? ▼
According to the FHFA House Price Index, home values in ZIP 12037 increased by 29.2% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 161%. 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 12037? ▼
In ZIP code 12037, 73.7% of residents aged 25+ have a high school diploma or higher, and 51.7% 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 12037? ▼
The mean commute time for workers in ZIP code 12037 is 24.5 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 12037? ▼
In ZIP code 12037, approximately 72.2% of occupied housing units are owner-occupied and 27.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12037? ▼
The poverty rate in ZIP code 12037 is 16.8% 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.