ZIP Code 12095
standardSource:
Johnstown · Fulton County · New York
- Population
- 12,606
- Median income
- $69,469
- Median home value
- $168,700
- Bachelor's or higher
- 21.1%
- Land area
- 157.0 sq mi
80/sq mi
▼ 9% vs US
higher than 46% of US ZIPs
▼ 39% vs US
higher than 34% of US ZIPs
Median age 41.6
New York
ZIP code 12095 in Johnstown, New York has a population of 12,606. The median household income is $69,469, which is 9% below the national average. Median home value is $168,700, 39% below the US average. 21.1% of residents hold a bachelor's degree or higher.
ZIP code 12095 is classified by USPS as a standard delivery area and covers roughly 157.0 square miles in Johnstown, Fulton County, New York. The area is home to 12,606 residents, producing a population density of 80 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 12095 against New York and the nation.
On the economic side, the median household income for ZIP 12095 sits at $69,469 (25% below the New York average), while per-capita income is $35,555. The poverty rate stands at 7.9% and the unemployment rate at 2.4%. On housing, the median home value is $168,700 (55% below the state average) with median rent at $923 per month, and 66.7% of occupied units are owner-occupied, a direct signal of whether 12095 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 21.1% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is 19 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Fulton County, so you can benchmark 12095 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 →
Top industries in ZIP 12095
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$35,555
Per Capita Income
7.9%
Poverty Rate
2.4%
Unemployment Rate
19.3 min
Mean Commute Time
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?
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
$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 →
More ZIP Codes in Fulton County
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Frequently Asked Questions
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ZIP Code Research Guides
Official Data Resources for Johnstown, NY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.