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 Low-density area
- $77,778
- Median income Near-median income area
- $165,200
- Median home value Below-median home value
- 27.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Worcester pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 41%
- household income, US ZIPs
- 32nd 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 average New York ZIP), while per-capita income is $33,307. The poverty rate is 18.9%, with unemployment at 4.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $165,200 (56% below the average New York ZIP), and median rent is $732; owner occupancy is 89.6%.
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. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Otsego County, so 12197 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 12197
Top 5 sectors by establishment count in Worcester, NY
Which industries have the most business establishments in ZIP 12197.
- Other services (except public administration)
Other services (except public administration)
4 establishments
- Retail trade
Retail trade
3 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
3 establishments
- Health care and social assistance
Health care and social assistance
3 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 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
Who lives in ZIP 12197?
45.1
Median Age
47.8%
Male
52.2%
Female
5.4%
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?
$77,778
Median Household Income
-16% vs state ZIP avg
$33,307
Per Capita Income
18.9%
Poverty Rate
4.0%
Unemployment Rate
27.7 min
Mean Commute Time
How ZIP 12197 ranks among New York ZIPs
Worcester, 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)
$77,778 43rd percentile higher than 43% 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
1,259housing units
1,259
Total Housing Units
828
Occupied Units
431
Vacant Units
2.74
Avg Household Size
Occupancy Type
$165,200
Median Home Value
-56% vs state ZIP avg
$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.
- 12197
Worcester (12197)
2,233 residents
- 12155
Schenevus (12155)
1,977 residents
- 12093
Jefferson (12093)
1,666 residents
- 13750
Davenport (13750)
1,092 residents
- 12064 563
East Worcester (12064)
563 residents
- 12036 228
Charlotteville (12036)
228 residents
- 13450 104
Roseboom (13450)
104 residents
- 13488 98
Westford (13488)
98 residents
What this shows Among its immediate neighbors, ZIP 12197 ranks the most populous - useful context the national average alone can't give.
ZIP 12197 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13450
Roseboom (13450)
$119,167 median income
- 12197
Worcester (12197)
$77,778 median income
- 12093
Jefferson (12093)
$65,321 median income
- 12064
East Worcester (12064)
$63,500 median income
- 12155
Schenevus (12155)
$62,361 median income
- 13750
Davenport (13750)
$62,344 median income
- 13488
Westford (13488)
$52,159 median income
- 12036 $41,823
Charlotteville (12036)
$41,823 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12197, 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 (2,233 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Otsego County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12197's numbers, next.
- See how ZIP 12197 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Worcester, 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.