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 Moderate-density area
- $97,679
- Median income Above-median income area
- $485,000
- Median home value Above-median home value
- 46.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 12526 (Germantown, NY) rose +8.3% from 2023 to 2024. The all-transactions index moved from 282.7 in 2023 to 306.3 in 2024 (2000 = 100).
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 average New York ZIP), while per-capita income is $59,019. The poverty rate is 8.1%, with unemployment at 4.1%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $485,000 (28% above the average New York ZIP), while 80.1% of occupied homes are owner-occupied and median rent is $1,252.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Columbia County, so 12526 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 12526
Top 5 sectors by establishment count in Germantown, NY
Which industries have the most business establishments in ZIP 12526.
- Construction
Construction
21 establishments
- Retail trade
Retail trade
16 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
11 establishments
- Other services (except public administration)
Other services (except public administration)
11 establishments
- Administrative and support and waste management and remediation services 7
Administrative and support and waste management and remediation services
7 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 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
Who lives in ZIP 12526?
50.0
Median Age
50.6%
Male
49.4%
Female
7.8%
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?
$97,679
Median Household Income
+6% vs state ZIP avg
$59,019
Per Capita Income
8.1%
Poverty Rate
4.1%
Unemployment Rate
23.3 min
Mean Commute Time
How ZIP 12526 ranks among New York ZIPs
Germantown, 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)
$97,679 Top 33% higher than 67% 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
1,837housing units
1,837
Total Housing Units
1,546
Occupied Units
291
Vacant Units
2.19
Avg Household Size
Occupancy Type
$485,000
Median Home Value
+28% vs state ZIP avg
$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.
- 12477
Saugerties (12477)
18,787 residents
- 12414
Catskill (12414)
10,510 residents
- 12571
Red Hook (12571)
9,918 residents
- 12526 3,686
Germantown (12526)
3,686 residents
- 12583 2,451
Tivoli (12583)
2,451 residents
- 12523 1,798
Elizaville (12523)
1,798 residents
- 12504 1,395
Annandale On Hudson (12504)
1,395 residents
- 12432 492
Glasco (12432)
492 residents
- 12453 366
Malden On Hudson (12453)
366 residents
What this shows Among its immediate neighbors, ZIP 12526 ranks #4 by population - useful context the national average alone can't give.
ZIP 12526 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12571
Red Hook (12571)
$118,967 median income
- 12507
Barrytown (12507)
$116,198 median income
- 12526
Germantown (12526)
$97,679 median income
- 12477
Saugerties (12477)
$80,861 median income
- 12583
Tivoli (12583)
$79,583 median income
- 12414
Catskill (12414)
$73,036 median income
- 12523
Elizaville (12523)
$54,235 median income
- 12432
Glasco (12432)
$48,193 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12526, 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 (3,686 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Columbia County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12526's numbers, next.
- See how ZIP 12526 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Germantown, 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.