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 Moderate-density area
- $69,469
- Median income Near-median income area
- $168,700
- Median home value Near-median home value
- 21.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 12095 (Johnstown, NY) rose +13.8% from 2023 to 2024. The all-transactions index moved from 210.0 in 2023 to 239.0 in 2024 (2000 = 100).
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 average New York ZIP), while per-capita income is $35,555. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.9% and unemployment is 2.4%. Home values sit below the statewide ZIP benchmark: the median is $168,700 (55% below the average New York ZIP), and median rent is $923; owner occupancy is 66.7%.
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. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Fulton County, so 12095 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 12095
Top 5 sectors by establishment count in Johnstown, NY
Which industries have the most business establishments in ZIP 12095.
- Retail trade
Retail trade
63 establishments
- Health care and social assistance
Health care and social assistance
59 establishments
- Other services (except public administration)
Other services (except public administration)
36 establishments
- Accommodation and food services
Accommodation and food services
32 establishments
- Construction
Construction
30 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 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
Who lives in ZIP 12095?
41.6
Median Age
51.1%
Male
48.9%
Female
2.0%
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?
$69,469
Median Household Income
-25% vs state ZIP avg
$35,555
Per Capita Income
7.9%
Poverty Rate
2.4%
Unemployment Rate
19.3 min
Mean Commute Time
How ZIP 12095 ranks among New York ZIPs
Johnstown, 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)
$69,469 31st percentile higher than 31% 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
5,723housing units
5,723
Total Housing Units
5,213
Occupied Units
510
Vacant Units
2.21
Avg Household Size
Occupancy Type
$168,700
Median Home Value
-55% vs state ZIP avg
$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.
- 12078
Gloversville (12078)
23,773 residents
- 12095
Johnstown (12095)
12,606 residents
- 12117 3,256
Mayfield (12117)
3,256 residents
- 12068 3,201
Fonda (12068)
3,201 residents
- 12072 2,890
Fultonville (12072)
2,890 residents
- 13428 1,635
Palatine Bridge (13428)
1,635 residents
- 12177 518
Tribes Hill (12177)
518 residents
- 12069 256
Fort Hunter (12069)
256 residents
What this shows Among its immediate neighbors, ZIP 12095 ranks #2 by population - useful context the national average alone can't give.
ZIP 12095 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12177
Tribes Hill (12177)
$92,444 median income
- 12069
Fort Hunter (12069)
$90,179 median income
- 12072
Fultonville (12072)
$81,063 median income
- 13428
Palatine Bridge (13428)
$76,295 median income
- 12068
Fonda (12068)
$72,788 median income
- 12095
Johnstown (12095)
$69,469 median income
- 12117
Mayfield (12117)
$66,000 median income
- 12078
Gloversville (12078)
$58,367 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12095, 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 (12,606 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Fulton County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12095's numbers, next.
- See how ZIP 12095 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Johnstown, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.