Howes Cave, NY · standard
ZIP Code 12092
Schoharie County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,304
- 34/sq mi Moderate-density area
- $58,615
- Median income Below-median income area
- $217,600
- Median home value Near-median home value
- 28.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Howes Cave pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 27th pct
- household income, US ZIPs
- 49th pct
- home value, US ZIPs
- 34
- people per sq mi
- 65%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12092 against every reporting US ZIP.
ZIP code 12092 is a sparsely populated ZIP (a standard USPS delivery area) in Howes Cave, Schoharie County, New York, home to just 1,304 residents across 38.7 square miles, a density of 34 people per square mile, in the New York time zone.
ZIP 12092 reports a modest median household income of $58,615 (37% below the average New York ZIP), while per-capita income is $37,333. The poverty rate is 25.7%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $217,600 (42% below the average New York ZIP), and median rent is $1,039; owner occupancy is 64.9%.
Educational attainment sits below the national norm: 28.7% of adults hold a bachelor's degree or higher, the median age is 45.3, and the average commute is -. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Schoharie County, so 12092 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 →
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 12092, Howes Cave, 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
1,304
Population
38.7
Area (sq mi)
34
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12092?
45.3
Median Age
57.5%
Male
42.5%
Female
2.2%
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?
$58,615
Median Household Income
-37% vs state ZIP avg
$37,333
Per Capita Income
25.7%
Poverty Rate
4.5%
Unemployment Rate
How ZIP 12092 ranks among New York ZIPs
Howes Cave, 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)
$58,615 14th percentile higher than 14% 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
582housing units
582
Total Housing Units
573
Occupied Units
9
Vacant Units
2.11
Avg Household Size
Occupancy Type
$217,600
Median Home Value
-42% vs state ZIP avg
$1,039
Median Rent
1938
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 13 business establishments in ZIP 12092, employing approximately 141 people with a combined annual payroll of $5,600,000.
13
Businesses
141
Employees
$5.6M
Annual Payroll
1
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Arts, entertainment, and recreation | 4 | 30.8% |
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 12092 vs 12035 →
ZIP 12092 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
- 12157
Schoharie (12157)
4,061 residents
- 12066 2,143
Esperance (12066)
2,143 residents
- 12166 1,363
Sprakers (12166)
1,363 residents
- 12092 1,304
Howes Cave (12092)
1,304 residents
- 12160 944
Sloansville (12160)
944 residents
- 12035 802
Central Bridge (12035)
802 residents
- 12187 697
Warnerville (12187)
697 residents
- 12071 270
Fultonham (12071)
270 residents
What this shows Among its immediate neighbors, ZIP 12092 ranks #5 by population - useful context the national average alone can't give.
ZIP 12092 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12071
Fultonham (12071)
$99,375 median income
- 12035
Central Bridge (12035)
$98,375 median income
- 12166
Sprakers (12166)
$94,821 median income
- 12031
Carlisle (12031)
$87,143 median income
- 12066
Esperance (12066)
$78,571 median income
- 12187
Warnerville (12187)
$78,149 median income
- 12157
Schoharie (12157)
$75,997 median income
- 12160
Sloansville (12160)
$69,750 median income
- 12043
Cobleskill (12043)
$64,583 median income
What this shows By household income, ZIP 12092 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12035 | Central Bridge, NY | 802 | 2.5 mi |
| 12160 | Sloansville, NY | 944 | 4.0 mi |
| 12157 | Schoharie, NY | 4,061 | 4.6 mi |
| 12031 | Carlisle, NY | 175 | 6.0 mi |
| 12066 | Esperance, NY | 2,143 | 6.4 mi |
| 12043 | Cobleskill, NY | 8,509 | 7.4 mi |
| 12187 | Warnerville, NY | 697 | 7.0 mi |
| 12071 | Fultonham, NY | 270 | 10.5 mi |
| 12166 | Sprakers, NY | 1,363 | 10.3 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12092, 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 (1,304 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 12092 in?
ZIP code 12092 (Howes Cave) 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 12092?
ZIP code 12092 in Howes Cave, NY has a population of 1,304 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12092?
The median household income in ZIP 12092 is $58,615, which is 23% below the national average of $76,288.
What is the average home value in ZIP 12092?
The median home value in ZIP 12092 is $217,600, which is 22% below the national average of $278,155.
What is the demographic makeup of ZIP 12092?
The largest racial group in ZIP 12092 is White at 93.0%. Hispanic or Latino residents make up 5.8% of the population.
How many businesses are in ZIP code 12092?
ZIP code 12092 has 13 business establishments employing approximately 141 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 12092?
In ZIP code 12092, 51.0% of residents aged 25+ have a high school diploma or higher, and 28.7% 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 12092?
In ZIP code 12092, 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 12092?
The poverty rate in ZIP code 12092 is 25.7% 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 12092's numbers, next.
- See how ZIP 12092 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Howes Cave, 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.