Cobleskill, NY · standard
ZIP Code 12043
Schoharie County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 8,509
- 53/sq mi Moderate-density area
- $64,583
- Median income Near-median income area
- $186,000
- Median home value Near-median home value
- 29.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Cobleskill pairs a below-median household income with below-median home values, in a rural, mixed-tenure area.
- 38th pct
- household income, US ZIPs
- 40th pct
- home value, US ZIPs
- 53
- people per sq mi
- 58%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12043 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 12043 (Cobleskill, NY) rose +22.9% from 2023 to 2024.
ZIP code 12043 is a mid-sized community (a standard USPS delivery area) in Cobleskill, Schoharie County, New York, home to 8,509 residents across 159.9 square miles, a density of 53 people per square mile, in the New York time zone.
ZIP 12043 reports a modest median household income of $64,583 (30% below the average New York ZIP), while per-capita income is $35,308. The poverty rate is 14.0%, with unemployment at 5.3%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $186,000 (51% below the average New York ZIP), and median rent is $875; owner occupancy is 58.4%.
Educational attainment sits below the national norm: 29.1% of adults hold a bachelor's degree or higher, the median age is 37.1, and the average commute is 31 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Schoharie County, so 12043 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 12043
Top 5 sectors by establishment count in Cobleskill, NY
Which industries have the most business establishments in ZIP 12043.
- Retail trade
Retail trade
43 establishments
- Health care and social assistance
Health care and social assistance
34 establishments
- Accommodation and food services
Accommodation and food services
22 establishments
- Other services (except public administration)
Other services (except public administration)
20 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
19 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 12043, Cobleskill, 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
8,509
Population
159.9
Area (sq mi)
53
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12043?
37.1
Median Age
47.4%
Male
52.6%
Female
3.3%
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?
$64,583
Median Household Income
-30% vs state ZIP avg
$35,308
Per Capita Income
14.0%
Poverty Rate
5.3%
Unemployment Rate
30.7 min
Mean Commute Time
How ZIP 12043 ranks among New York ZIPs
Cobleskill, 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)
$64,583 23rd percentile higher than 23% 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
3,570housing units
3,570
Total Housing Units
3,230
Occupied Units
340
Vacant Units
2.21
Avg Household Size
Occupancy Type
$186,000
Median Home Value
-51% vs state ZIP avg
$875
Median Rent
1973
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 210 business establishments in ZIP 12043, employing approximately 2,545 people with a combined annual payroll of $120,908,000.
210
Businesses
2,545
Employees
$120.9M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 43 | 20.5% |
| Health care and social assistance | 34 | 16.2% |
| Accommodation and food services | 22 | 10.5% |
| Other services (except public administration) | 20 | 9.5% |
| Professional, scientific, and technical services | 19 | 9.1% |
| Finance and insurance | 14 | 6.7% |
| Construction | 13 | 6.2% |
| Information | 9 | 4.3% |
| Real estate and rental and leasing | 9 | 4.3% |
| Administrative and support and waste management and remediation services | 8 | 3.8% |
| Transportation and warehousing | 5 | 2.4% |
| Manufacturing | 4 | 1.9% |
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 12043 vs 12031 →
ZIP 12043 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12043
Cobleskill (12043)
8,509 residents
- 12149 2,474
Richmondville (12149)
2,474 residents
- 13459 2,222
Sharon Springs (13459)
2,222 residents
- 12166 1,363
Sprakers (12166)
1,363 residents
- 12092 1,304
Howes Cave (12092)
1,304 residents
- 12187 697
Warnerville (12187)
697 residents
- 12064 563
East Worcester (12064)
563 residents
- 12031 175
Carlisle (12031)
175 residents
What this shows Among its immediate neighbors, ZIP 12043 ranks the most populous - useful context the national average alone can't give.
ZIP 12043 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12166
Sprakers (12166)
$94,821 median income
- 12031
Carlisle (12031)
$87,143 median income
- 12187
Warnerville (12187)
$78,149 median income
- 13459
Sharon Springs (13459)
$65,893 median income
- 12043
Cobleskill (12043)
$64,583 median income
- 12064
East Worcester (12064)
$63,500 median income
- 12092
Howes Cave (12092)
$58,615 median income
- 12149
Richmondville (12149)
$50,608 median income
What this shows By household income, ZIP 12043 ranks #5 of 8 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 12043, 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 (8,509 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Schoharie County
Related Areas
Frequently Asked Questions
What county is ZIP code 12043 in?
ZIP code 12043 (Cobleskill) is located in Schoharie County, New York. Schoharie County contains multiple ZIP codes, see the full list at /counties/schoharie-ny.
What is the population of ZIP code 12043?
ZIP code 12043 in Cobleskill, NY has a population of 8,509 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12043?
The median household income in ZIP 12043 is $64,583, which is 15% below the national average of $76,288.
What is the average home value in ZIP 12043?
The median home value in ZIP 12043 is $186,000, which is 33% below the national average of $278,155.
What is the demographic makeup of ZIP 12043?
The largest racial group in ZIP 12043 is White at 86.8%. Hispanic or Latino residents make up 4.1% of the population.
How many businesses are in ZIP code 12043?
ZIP code 12043 has 210 business establishments employing approximately 2,545 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12043?
The top industries by establishment count in ZIP 12043 are: Retail trade (43), Health care and social assistance (34), Accommodation and food services (22). There are 12 industry sectors represented in total.
What is the education level in ZIP code 12043?
In ZIP code 12043, 59.0% of residents aged 25+ have a high school diploma or higher, and 29.1% 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 12043?
The mean commute time for workers in ZIP code 12043 is 30.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 12043?
In ZIP code 12043, approximately 58.4% of occupied housing units are owner-occupied and 41.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12043?
The poverty rate in ZIP code 12043 is 14.0% 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 12043's numbers, next.
- See how ZIP 12043 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cobleskill, 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.