ZIP Code 12092

ZIP code 12092 is classified by USPS as a standard delivery area and covers roughly 38.7 square miles in Howes Cave, Schoharie County, New York. The area is home to 1,304 residents, producing a population density of 34 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 12092 against New York and the nation.

On the economic side, the median household income for ZIP 12092 sits at $58,615 (37% below the New York average), while per-capita income is $37,333. The poverty rate stands at 25.7% and the unemployment rate at 4.5%. On housing, the median home value is $217,600 (42% below the state average) with median rent at $1,039 per month, and 64.9% of occupied units are owner-occupied, a direct signal of whether 12092 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 28.7% of adults hold a bachelor's degree or higher, the median age is 45.3, and the average commute is —. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Schoharie County, so you can benchmark 12092 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →