Residential delivery area · New York
ZIP Code 12157: Schoharie, NY
ZIP code 12157 uses the postal name Schoharie, New York and lies entirely in Schoharie County (Census 2020 ZIP-county file). About 4,700 people live there (Census Bureau, ACS 2020-2024). Median household income is $75,997 (Census Bureau, ACS 2020-2024). By Census place, 3% of its land lies in Schoharie; 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Schoharie · its only residential ZIP
- County
- Schoharie County
- Census places
- Schoharie
- Metro area
- Albany-Schenectady-Troy, NY
- House districts
- NY-21 (99%), NY-20 (1%) 119th Congress, by share of land
- State
- New York
- Time zone
- Eastern
- Land area
- 50.2 sq mi · 94 people per sq mi
Where is ZIP code 12157?
12157 centers on 42.670°, -74.286° and covers 50.2 square miles of land plus 0.1 of water. It borders 7 ZIP codes: 12092, 12023, 12053, 12066, 12122, 12187, 12043.
The map draws ZIP code areas only. For the streets inside 12157, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 12157 compare with the rest of Schoharie County?
| Measure | 12157 | In Schoharie County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 4,713 | 2nd of 24 | 747th of 1,826 |
| Median household income | $76k | 5th of 12 | 666th of 1,081 |
| Median home value | $223k | 3rd of 10 | 705th of 1,172 |
Its median household income is higher than in 56% of U.S. residential ZIP codes, and it is denser than 53% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 12157?
The 2020 Census counted 4,109 people in 12157; the ACS, which samples households over 2020-2024, estimates 4,713. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 4,713
- 2020 Census count
- 4,109
- Households
- 1,859
- Median age
- 41.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 12157?
Of the 4,713 people the ACS estimates in 12157, 22.3% are under 18 and 24.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.0%).
- Under 1822.3%
- 18 to 6453.6%
- 65 and older24.1%
- White, not Hispanic89.0%
- Other or two or more4.7%
- Hispanic or Latino2.7%
- Asian, not Hispanic1.9%
- Black, not Hispanic1.7%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 12157 earn?
Median household income is $75,997 (ACS 2020-2024), the 5th highest of the 12 ranked ZIP codes in Schoharie County.
- Median household income
- $75,997
- Income per person
- $38,882
- Below the poverty line
- 10.7%
- Unemployed (of the labor force)
- 5.6%
- Adults 25+ with a bachelor's degree
- 28.2%
- Adjusted gross income per tax return, 2022
- $71,6341,950 returns; wages 68% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 12157?
FHFA's house price index for 12157, built from repeat sales and appraisals of the same homes, rose 105% from 2015 to 2025 and rose 61% from 2020 to 2025.
- Median home value (owners' estimate)
- $223,400
- Median gross rent
- $887
- Homes owned by their occupants
- 84.0%
- Housing units
- 1,942
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 12157?
80 business establishments had a location in this ZIP code in 2023, the same count as in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction15
- Health care and social assistance9
- Accommodation and food services9
- Retail trade6
- Professional, scientific, and technical services6
- Other services (except public administration)6
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 12157?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12092 | Howes Cave | 1,208 | $59k | 5.4 mi |
| 12023 | Berne | 1,791 | $113k | 7.2 mi |
| 12053 | Delanson | 4,550 | $92k | 7.7 mi |
| 12066 | Esperance | 1,863 | $79k | 7.7 mi |
| 12122 | Middleburgh | 3,596 | $56k | 9.1 mi |
| 12187 | Warnerville | 752 | $78k | 9.5 mi |
| 12043 | Cobleskill | 8,287 | $65k | 12.5 mi |
| 12035 | Central Bridge | 566 | $98k | 6.2 mi (near) |
| 12160 | Sloansville | 716 | $70k | 7.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.