PlainZIP

Johnstown, NY · standard

ZIP Code 12095

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

12,606
80/sq mi
$69,469
Median income
$168,700
Median home value
21.1%
Bachelor's or higher

The verdict

Johnstown pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

46th pct
household income, US ZIPs
34th pct
home value, US ZIPs
80
people per sq mi
67%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12095 against every reporting US ZIP.

ZIP code 12095 is a mid-sized community (a standard USPS delivery area) in Johnstown, Fulton County, New York, home to 12,606 residents across 157.0 square miles, a density of 80 people per square mile, in the New York time zone.

ZIP 12095 reports a modest median household income of $69,469 (25% below the New York average), while per-capita income is $35,555. Poverty here runs at 7.9%, with unemployment measured at 2.4%. Housing costs here run $168,700 for a typical home value (55% below the state average), with rent averaging $923 a month; 66.7% of homes are owner-occupied.

Educational attainment sits below the national norm: 21.1% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is 19 minutes. Beyond these figures, 7 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Fulton County, letting you compare 12095 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 12095

Top 5 sectors by establishment count in Johnstown, NY

Which industries have the most business establishments in ZIP 12095.

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 12095, Johnstown, 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

12,606

Population

157.0

Area (sq mi)

80

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 12095?

41.6

Median Age

51.1%

Male

48.9%

Female

2.0%

Foreign-Born

White 89.1%
African American 2.6%
Asian 0.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 5.1%
Hispanic or Latino 5.6%

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?

$69,469

Median Household Income

-25% vs state

$35,555

Per Capita Income

7.9%

Poverty Rate

2.4%

Unemployment Rate

19.3 min

Mean Commute Time

How ZIP 12095 ranks nationally

Johnstown, NY household income vs. every US ZIP code

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

$69,469 46th percentile higher than 46% 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%). This entry sits in this band. $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 63.0%
Bachelor's Degree or Higher 21.1%

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

What does housing look like?

5,723

Total Housing Units

5,213

Occupied Units

510

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 66.7%
Renter 33.3%

$168,700

Median Home Value

-55% vs state

$923

Median Rent

1946

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

+13.8%

YoY Change (2024)

239

HPI Index (2000 = 100)

+139%

Total Change Since 2000

Home values in ZIP 12095 have increased 13.8% over the past year (2024). Since 2000, this ZIP has seen +139% cumulative appreciation.

Year Annual Change HPI Index
2020 -1.1% 167
2021 +14.1% 190
2022 +16.8% 222
2023 -5.6% 210
2024 +13.8% 239

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 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 352 business establishments in ZIP 12095, employing approximately 6,143 people with a combined annual payroll of $329,711,000.

352

Businesses

6,143

Employees

$329.7M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 63 17.9%
Health care and social assistance 59 16.8%
Other services (except public administration) 36 10.2%
Accommodation and food services 32 9.1%
Construction 30 8.5%
Manufacturing 28 8.0%
Wholesale trade 15 4.3%
Transportation and warehousing 15 4.3%
Finance and insurance 13 3.7%
Management of companies and enterprises 13 3.7%
Administrative and support and waste management and remediation services 13 3.7%
Real estate and rental and leasing 10 2.8%
Information 9 2.6%
Professional, scientific, and technical services 9 2.6%
Arts, entertainment, and recreation 5 1.4%

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 12095 vs 12068 →

ZIP 12095 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 12095 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 12095 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 12095 ranks #6 of 8 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
12068 Fonda, NY 3,201 4.9 mi
12078 Gloversville, NY 23,773 7.0 mi
12072 Fultonville, NY 2,890 10.1 mi
12177 Tribes Hill, NY 518 7.9 mi
12069 Fort Hunter, NY 256 8.5 mi
13428 Palatine Bridge, NY 1,635 10.0 mi
12117 Mayfield, NY 3,256 12.4 mi

More ZIP Codes in Fulton County

12078 standard
Gloversville, NY
Pop: 23,773
12025 standard
Broadalbin, NY
Pop: 5,505
12134 standard
Northville, NY
Pop: 3,516
12117 standard
Mayfield, NY
Pop: 3,256
12032 standard
Caroga Lake, NY
Pop: 836
13470 standard
Stratford, NY
Pop: 725

Related Areas

Fulton County Johnstown, NY New York

Frequently Asked Questions

What county is ZIP code 12095 in? ▼
ZIP code 12095 (Johnstown) is located in Fulton County, New York. Fulton County contains multiple ZIP codes, see the full list at /counties/fulton-ny.
What is the population of ZIP code 12095? ▼
ZIP code 12095 in Johnstown, NY has a population of 12,606 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12095? ▼
The median household income in ZIP 12095 is $69,469, which is 9% below the national average of $76,288.
What is the average home value in ZIP 12095? ▼
The median home value in ZIP 12095 is $168,700, which is 39% below the national average of $278,155.
What is the demographic makeup of ZIP 12095? ▼
The largest racial group in ZIP 12095 is White at 89.1%. Hispanic or Latino residents make up 5.6% of the population.
How many businesses are in ZIP code 12095? ▼
ZIP code 12095 has 352 business establishments employing approximately 6,143 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12095? ▼
The top industries by establishment count in ZIP 12095 are: Retail trade (63), Health care and social assistance (59), Other services (except public administration) (36). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 12095? ▼
According to the FHFA House Price Index, home values in ZIP 12095 increased by 13.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 139%. 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 12095? ▼
In ZIP code 12095, 63.0% of residents aged 25+ have a high school diploma or higher, and 21.1% 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 12095? ▼
The mean commute time for workers in ZIP code 12095 is 19.3 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 12095? ▼
In ZIP code 12095, approximately 66.7% of occupied housing units are owner-occupied and 33.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12095? ▼
The poverty rate in ZIP code 12095 is 7.9% 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.