ZIP Code 12187

ZIP code 12187 is classified by USPS as a standard delivery area and covers roughly 59.6 square miles in Warnerville, Schoharie County, New York. The area is home to 697 residents, producing a population density of 12 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 12187 against New York and the nation.

On the economic side, the median household income for ZIP 12187 sits at $78,149 (15% below the New York average), while per-capita income is $34,282. The poverty rate stands at 16.6% and the unemployment rate at 13.1%. On housing, the median home value is $187,500 (50% below the state average) with median rent at — per month, and 91.4% of occupied units are owner-occupied, a direct signal of whether 12187 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 13.9% of adults hold a bachelor's degree or higher, the median age is 56.4, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Schoharie County, so you can benchmark 12187 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 →