Nassau, NY · standard
ZIP Code 12123
Rensselaer County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,124
- 61/sq mi Moderate-density area
- $108,878
- Median income Above-median income area
- $297,000
- Median home value Above-median home value
- 36.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Nassau pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.
- Top 14%
- household income, US ZIPs
- Top 34%
- home value, US ZIPs
- 61
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12123 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 12123 (Nassau, NY) rose +9.5% from 2023 to 2024. The all-transactions index moved from 205.1 in 2023 to 224.6 in 2024 (2000 = 100).
ZIP code 12123 is a mid-sized community (a standard USPS delivery area) in Nassau, Rensselaer County, New York, home to 5,124 residents across 84.6 square miles, a density of 61 people per square mile, in the New York time zone.
ZIP 12123 lands in the middle-income range, with a median household income of $108,878 (18% above the average New York ZIP), while per-capita income is $59,099. The poverty rate is 9.0%, with unemployment at 2.2%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $297,000 (21% below the average New York ZIP), and median rent is $1,023; owner occupancy is 82.5%.
A solid share of residents have a four-year degree: 36.9% of adults hold a bachelor's degree or higher, the median age is 43.4, and the average commute is 26 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Rensselaer County, so 12123 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 12123
Top 5 sectors by establishment count in Nassau, NY
Which industries have the most business establishments in ZIP 12123.
- Construction
Construction
17 establishments
- Other services (except public administration)
Other services (except public administration)
14 establishments
- Retail trade
Retail trade
11 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
11 establishments
- Professional, scientific, and technical services 6
Professional, scientific, and technical services
6 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 12123, Nassau, 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
5,124
Population
84.6
Area (sq mi)
61
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12123?
43.4
Median Age
50.3%
Male
49.7%
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?
$108,878
Median Household Income
+18% vs state ZIP avg
$59,099
Per Capita Income
9.0%
Poverty Rate
2.2%
Unemployment Rate
25.6 min
Mean Commute Time
How ZIP 12123 ranks among New York ZIPs
Nassau, 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)
$108,878 Top 25% higher than 75% 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
2,203housing units
2,203
Total Housing Units
1,964
Occupied Units
239
Vacant Units
2.27
Avg Household Size
Occupancy Type
$297,000
Median Home Value
-21% vs state ZIP avg
$1,023
Median Rent
1968
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
+9.5%
YoY Change (2024)
225
HPI Index (2000 = 100)
+125%
Total Change Since 2000
Home values in ZIP 12123 have increased 9.5% over the past year (2024). Since 2000, this ZIP has seen +125% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.9% | 173 |
| 2021 | +11.9% | 193 |
| 2022 | +10.8% | 214 |
| 2023 | -4.1% | 205 |
| 2024 | +9.5% | 225 |
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 83 business establishments in ZIP 12123, employing approximately 334 people with a combined annual payroll of $16,997,000.
83
Businesses
334
Employees
$17.0M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 17 | 20.5% |
| Other services (except public administration) | 14 | 16.9% |
| Retail trade | 11 | 13.3% |
| Administrative and support and waste management and remediation services | 11 | 13.3% |
| Professional, scientific, and technical services | 6 | 7.2% |
| Accommodation and food services | 5 | 6.0% |
| Information | 4 | 4.8% |
| Health care and social assistance | 4 | 4.8% |
| Manufacturing | 3 | 3.6% |
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 12123 vs 12063 →
ZIP 12123 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12061
East Greenbush (12061)
9,050 residents
- 12033
Castleton On Hudson (12033)
7,851 residents
- 12123
Nassau (12123)
5,124 residents
- 12196 3,031
West Sand Lake (12196)
3,031 residents
- 12062 1,776
East Nassau (12062)
1,776 residents
- 12130 987
Niverville (12130)
987 residents
- 12136 804
Old Chatham (12136)
804 residents
- 12063 444
East Schodack (12063)
444 residents
- 12132 338
North Chatham (12132)
338 residents
What this shows Among its immediate neighbors, ZIP 12123 ranks #3 by population - useful context the national average alone can't give.
ZIP 12123 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12136
Old Chatham (12136)
$148,750 median income
- 12061
East Greenbush (12061)
$110,962 median income
- 12196
West Sand Lake (12196)
$110,889 median income
- 12123
Nassau (12123)
$108,878 median income
- 12130
Niverville (12130)
$104,286 median income
- 12033
Castleton On Hudson (12033)
$98,569 median income
- 12115
Malden Bridge (12115)
$91,875 median income
- 12063
East Schodack (12063)
$90,855 median income
- 12062
East Nassau (12062)
$87,679 median income
What this shows By household income, ZIP 12123 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12063 | East Schodack, NY | 444 | 3.3 mi |
| 12132 | North Chatham, NY | 338 | 3.8 mi |
| 12115 | Malden Bridge, NY | 189 | 3.7 mi |
| 12062 | East Nassau, NY | 1,776 | 5.1 mi |
| 12033 | Castleton On Hudson, NY | 7,851 | 5.2 mi |
| 12196 | West Sand Lake, NY | 3,031 | 7.5 mi |
| 12024 | Brainard, NY | 31 | 5.0 mi |
| 12061 | East Greenbush, NY | 9,050 | 5.7 mi |
| 12130 | Niverville, NY | 987 | 6.2 mi |
| 12136 | Old Chatham, NY | 804 | 6.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12123, 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 (5,124 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Rensselaer County
Related Areas
Frequently Asked Questions
What county is ZIP code 12123 in?
ZIP code 12123 (Nassau) is located in Rensselaer County, New York. Rensselaer County contains multiple ZIP codes, see the full list at /counties/rensselaer-ny.
What is the population of ZIP code 12123?
ZIP code 12123 in Nassau, NY has a population of 5,124 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12123?
The median household income in ZIP 12123 is $108,878, which is 43% above the national average of $76,288.
What is the average home value in ZIP 12123?
The median home value in ZIP 12123 is $297,000, which is 7% above the national average of $278,155.
What is the demographic makeup of ZIP 12123?
The largest racial group in ZIP 12123 is White at 91.2%. Hispanic or Latino residents make up 4.4% of the population.
How many businesses are in ZIP code 12123?
ZIP code 12123 has 83 business establishments employing approximately 334 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12123?
The top industries by establishment count in ZIP 12123 are: Construction (17), Other services (except public administration) (14), Retail trade (11). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 12123?
According to the FHFA House Price Index, home values in ZIP 12123 increased by 9.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 125%. 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 12123?
In ZIP code 12123, 64.9% of residents aged 25+ have a high school diploma or higher, and 36.9% 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 12123?
The mean commute time for workers in ZIP code 12123 is 25.6 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 12123?
In ZIP code 12123, approximately 82.5% of occupied housing units are owner-occupied and 17.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12123?
The poverty rate in ZIP code 12123 is 9.0% 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 12123's numbers, next.
- See how ZIP 12123 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Nassau, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.