PlainZIP

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
$58,615
Median income
$217,600
Median home value
28.7%
Bachelor's or higher

The verdict

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 New York average), while per-capita income is $37,333. Poverty here runs at 25.7%, with unemployment measured 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.

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 -. Beyond these figures, 9 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Schoharie County, letting you compare 12092 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 →

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

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 12092?

45.3

Median Age

57.5%

Male

42.5%

Female

2.2%

Foreign-Born

White 93.0%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 1.6%
Two or More Ethnicities 5.4%
Hispanic or Latino 5.8%

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

$37,333

Per Capita Income

25.7%

Poverty Rate

4.5%

Unemployment Rate

How ZIP 12092 ranks nationally

Howes Cave, NY household income vs. every US ZIP code

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

$58,615 27th percentile higher than 27% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 51.0%
Bachelor's Degree or Higher 28.7%

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

What does housing look like?

582

Total Housing Units

573

Occupied Units

9

Vacant Units

2.11

Avg Household Size

Occupancy Type

Owner 64.9%
Renter 35.1%

$217,600

Median Home Value

-42% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 12092 ranks #5 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 12092 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 12092 ranks #null 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
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

More ZIP Codes in Schoharie County

12043 standard
Cobleskill, NY
Pop: 8,509
12122 standard
Middleburgh, NY
Pop: 4,582
12157 standard
Schoharie, NY
Pop: 4,061
12149 standard
Richmondville, NY
Pop: 2,474
13459 standard
Sharon Springs, NY
Pop: 2,222
12066 standard
Esperance, NY
Pop: 2,143

Related Areas

Schoharie County Howes Cave, NY New York

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.

Read our methodology to see how this data is sourced, computed, and verified.