PlainZIP

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
$108,878
Median income
$297,000
Median home value
36.9%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $59,099. Local economic indicators show a 9.0% poverty rate alongside 2.2% unemployment. On housing, the median home value is $297,000 (21% below the state average) with median rent at $1,023 per month, and 82.5% of occupied units are owner-occupied.

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. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Rensselaer County, so you can benchmark 12123 against its immediate geography rather than a national average 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 12123

Top 5 sectors by establishment count in Nassau, NY

Which industries have the most business establishments in ZIP 12123.

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 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

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 12123?

43.4

Median Age

50.3%

Male

49.7%

Female

2.0%

Foreign-Born

White 91.2%
African American 1.0%
Asian 0.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 6.3%
Hispanic or Latino 4.4%

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

$59,099

Per Capita Income

9.0%

Poverty Rate

2.2%

Unemployment Rate

25.6 min

Mean Commute Time

How ZIP 12123 ranks nationally

Nassau, NY household income vs. every US ZIP code

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

$108,878 Top 14% higher than 86% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 64.9%
Bachelor's Degree or Higher 36.9%

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

What does housing look like?

2,203

Total Housing Units

1,964

Occupied Units

239

Vacant Units

2.27

Avg Household Size

Occupancy Type

Owner 82.5%
Renter 17.5%

$297,000

Median Home Value

-21% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 12123 ranks #3 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 12123 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 12123 ranks #4 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
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

More ZIP Codes in Rensselaer County

12180 standard
Troy, NY
Pop: 53,606
12144 standard
Rensselaer, NY
Pop: 20,555
12182 standard
Troy, NY
Pop: 14,733
12061 standard
East Greenbush, NY
Pop: 9,050
12018 standard
Averill Park, NY
Pop: 7,930
12198 standard
Wynantskill, NY
Pop: 7,903

Related Areas

Rensselaer County Nassau, NY New York

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.

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