PlainZIP

Worcester, NY · standard

ZIP Code 12197

Otsego County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,233
13/sq mi
$77,778
Median income
$165,200
Median home value
27.5%
Bachelor's or higher

The verdict

Worcester pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 41%
household income, US ZIPs
32th pct
home value, US ZIPs
13
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12197 against every reporting US ZIP.

ZIP code 12197 covers 173.1 square miles in Worcester, Otsego County, New York (a standard USPS delivery area), with a modest 2,233 residents on file, a density of 13 people per square mile, in the New York time zone.

ZIP 12197 lands in the middle-income range, with a median household income of $77,778 (16% below the New York average), while per-capita income is $33,307. The poverty rate stands at 18.9% and the unemployment rate at 4.0%. The typical home here is valued at $165,200 (56% below the state average); renters pay a median of $732 monthly, and 89.6% of units are owner-occupied.

Educational attainment sits below the national norm: 27.5% of adults hold a bachelor's degree or higher, the median age is 45.1, and the average commute is 28 minutes. Beyond these figures, 7 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Otsego County, letting you compare 12197 to its immediate surroundings rather than a national baseline 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 12197

Top 5 sectors by establishment count in Worcester, NY

Which industries have the most business establishments in ZIP 12197.

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 12197, Worcester, 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

2,233

Population

173.1

Area (sq mi)

13

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 12197?

45.1

Median Age

47.8%

Male

52.2%

Female

5.4%

Foreign-Born

White 81.7%
African American 1.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.1%
Hispanic or Latino 11.7%

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?

$77,778

Median Household Income

-16% vs state

$33,307

Per Capita Income

18.9%

Poverty Rate

4.0%

Unemployment Rate

27.7 min

Mean Commute Time

How ZIP 12197 ranks nationally

Worcester, NY household income vs. every US ZIP code

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

$77,778 Top 41% higher than 59% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 56.8%
Bachelor's Degree or Higher 27.5%

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

What does housing look like?

1,259

Total Housing Units

828

Occupied Units

431

Vacant Units

2.74

Avg Household Size

Occupancy Type

Owner 89.6%
Renter 10.4%

$165,200

Median Home Value

-56% vs state

$732

Median Rent

1944

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 22 business establishments in ZIP 12197, employing approximately 158 people with a combined annual payroll of $8,804,000.

22

Businesses

158

Employees

$8.8M

Annual Payroll

4

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 4 18.2%
Retail trade 3 13.6%
Professional, scientific, and technical services 3 13.6%
Health care and social assistance 3 13.6%

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 12197 vs 12064 →

ZIP 12197 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 12197 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 12197 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 12197 ranks #2 of 8 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
12064 East Worcester, NY 563 3.6 mi
13488 Westford, NY 98 5.6 mi
12155 Schenevus, NY 1,977 5.0 mi
12036 Charlotteville, NY 228 5.5 mi
13450 Roseboom, NY 104 7.5 mi
12093 Jefferson, NY 1,666 9.4 mi
13750 Davenport, NY 1,092 11.4 mi

More ZIP Codes in Otsego County

13820 standard
Oneonta, NY
Pop: 22,455
13326 standard
Cooperstown, NY
Pop: 5,561
13849 standard
Unadilla, NY
Pop: 4,551
13439 standard
Richfield Springs, NY
Pop: 3,950
13825 standard
Otego, NY
Pop: 3,442
13320 standard
Cherry Valley, NY
Pop: 2,018

Related Areas

Otsego County Worcester, NY New York

Frequently Asked Questions

What county is ZIP code 12197 in? ▼
ZIP code 12197 (Worcester) is located in Otsego County, New York. Otsego County contains multiple ZIP codes, see the full list at /counties/otsego-ny.
What is the population of ZIP code 12197? ▼
ZIP code 12197 in Worcester, NY has a population of 2,233 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12197? ▼
The median household income in ZIP 12197 is $77,778, which is 2% above the national average of $76,288.
What is the average home value in ZIP 12197? ▼
The median home value in ZIP 12197 is $165,200, which is 41% below the national average of $278,155.
What is the demographic makeup of ZIP 12197? ▼
The largest racial group in ZIP 12197 is White at 81.7%. Hispanic or Latino residents make up 11.7% of the population.
How many businesses are in ZIP code 12197? ▼
ZIP code 12197 has 22 business establishments employing approximately 158 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12197? ▼
The top industries by establishment count in ZIP 12197 are: Other services (except public administration) (4), Retail trade (3), Professional, scientific, and technical services (3). There are 4 industry sectors represented in total.
What is the education level in ZIP code 12197? ▼
In ZIP code 12197, 56.8% of residents aged 25+ have a high school diploma or higher, and 27.5% 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 12197? ▼
The mean commute time for workers in ZIP code 12197 is 27.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 12197? ▼
In ZIP code 12197, approximately 89.6% of occupied housing units are owner-occupied and 10.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12197? ▼
The poverty rate in ZIP code 12197 is 18.9% 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.