PlainZIP

Germantown, NY · standard

ZIP Code 12526

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

3,686
44/sq mi
$97,679
Median income
$485,000
Median home value
46.8%
Bachelor's or higher

The verdict

Germantown pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 21%
household income, US ZIPs
Top 14%
home value, US ZIPs
44
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12526 against every reporting US ZIP.

ZIP code 12526 covers 83.0 square miles in Germantown, Columbia County, New York (a standard USPS delivery area), with a modest 3,686 residents on file, a density of 44 people per square mile, in the New York time zone.

ZIP 12526 lands in the middle-income range, with a median household income of $97,679 (6% above the New York average), while per-capita income is $59,019. Poverty here runs at 8.1%, with unemployment measured at 4.1%. Housing costs here run $485,000 for a typical home value (28% above the state average), with rent averaging $1,252 a month; 80.1% of homes are owner-occupied.

A solid share of residents have a four-year degree: 46.8% of adults hold a bachelor's degree or higher, the median age is 50, and the average commute is 23 minutes. To put 12526 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Columbia County, for a geography-aware comparison.

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 12526

Top 5 sectors by establishment count in Germantown, NY

Which industries have the most business establishments in ZIP 12526.

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 12526, Germantown, 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

3,686

Population

83.0

Area (sq mi)

44

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 12526?

50.0

Median Age

50.6%

Male

49.4%

Female

7.8%

Foreign-Born

White 81.6%
African American 6.3%
Asian 1.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.8%
Hispanic or Latino 7.2%

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?

$97,679

Median Household Income

+6% vs state

$59,019

Per Capita Income

8.1%

Poverty Rate

4.1%

Unemployment Rate

23.3 min

Mean Commute Time

How ZIP 12526 ranks nationally

Germantown, NY household income vs. every US ZIP code

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

$97,679 Top 21% higher than 79% 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%). This entry sits in this band. $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 68.3%
Bachelor's Degree or Higher 46.8%

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

What does housing look like?

1,837

Total Housing Units

1,546

Occupied Units

291

Vacant Units

2.19

Avg Household Size

Occupancy Type

Owner 80.1%
Renter 19.9%

$485,000

Median Home Value

+28% vs state

$1,252

Median Rent

1966

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

+8.3%

YoY Change (2024)

306

HPI Index (2000 = 100)

+206%

Total Change Since 2000

Home values in ZIP 12526 have increased 8.3% over the past year (2024). Since 2000, this ZIP has seen +206% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.6% 205
2021 +14.9% 235
2022 +15.2% 271
2023 +4.5% 283
2024 +8.3% 306

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 110 business establishments in ZIP 12526, employing approximately 558 people with a combined annual payroll of $28,916,000.

110

Businesses

558

Employees

$28.9M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Construction 21 19.1%
Retail trade 16 14.6%
Professional, scientific, and technical services 11 10.0%
Other services (except public administration) 11 10.0%
Administrative and support and waste management and remediation services 7 6.4%
Health care and social assistance 6 5.5%
Arts, entertainment, and recreation 6 5.5%
Accommodation and food services 6 5.5%
Manufacturing 5 4.5%
Transportation and warehousing 5 4.5%
Real estate and rental and leasing 4 3.6%
Wholesale trade 3 2.7%

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 12526 vs 12583 →

ZIP 12526 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 12526 ranks #4 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 12526 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 12526 ranks #3 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
12583 Tivoli, NY 2,451 4.2 mi
12490 West Camp, NY 110 3.4 mi
12453 Malden On Hudson, NY 366 4.4 mi
12523 Elizaville, NY 1,798 5.9 mi
12504 Annandale On Hudson, NY 1,395 7.0 mi
12432 Glasco, NY 492 6.9 mi
12414 Catskill, NY 10,510 7.7 mi
12571 Red Hook, NY 9,918 8.4 mi
12477 Saugerties, NY 18,787 7.6 mi
12507 Barrytown, NY 167 8.8 mi

More ZIP Codes in Columbia County

12534 standard
Hudson, NY
Pop: 17,867
12184 standard
Valatie, NY
Pop: 7,148
12037 standard
Chatham, NY
Pop: 4,015
12075 standard
Ghent, NY
Pop: 3,418
12529 standard
Hillsdale, NY
Pop: 2,859
12106 standard
Kinderhook, NY
Pop: 2,193

Related Areas

Columbia County Germantown, NY New York

Frequently Asked Questions

What county is ZIP code 12526 in? ▼
ZIP code 12526 (Germantown) is located in Columbia County, New York. Columbia County contains multiple ZIP codes, see the full list at /counties/columbia-ny.
What is the population of ZIP code 12526? ▼
ZIP code 12526 in Germantown, NY has a population of 3,686 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12526? ▼
The median household income in ZIP 12526 is $97,679, which is 28% above the national average of $76,288.
What is the average home value in ZIP 12526? ▼
The median home value in ZIP 12526 is $485,000, which is 74% above the national average of $278,155.
What is the demographic makeup of ZIP 12526? ▼
The largest racial group in ZIP 12526 is White at 81.6%. Hispanic or Latino residents make up 7.2% of the population.
How many businesses are in ZIP code 12526? ▼
ZIP code 12526 has 110 business establishments employing approximately 558 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12526? ▼
The top industries by establishment count in ZIP 12526 are: Construction (21), Retail trade (16), Professional, scientific, and technical services (11). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 12526? ▼
According to the FHFA House Price Index, home values in ZIP 12526 increased by 8.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 206%. 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 12526? ▼
In ZIP code 12526, 68.3% of residents aged 25+ have a high school diploma or higher, and 46.8% 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 12526? ▼
The mean commute time for workers in ZIP code 12526 is 23.3 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 12526? ▼
In ZIP code 12526, approximately 80.1% of occupied housing units are owner-occupied and 19.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12526? ▼
The poverty rate in ZIP code 12526 is 8.1% 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.