PlainZIP

Philmont, NY · standard

ZIP Code 12565

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

1,487
396/sq mi
$56,563
Median income
$225,000
Median home value
20.3%
Bachelor's or higher

The verdict

Philmont pairs one of the lowest household incomes in the country with above-median home values, in a low-density, homeowner-dominated area.

23th pct
household income, US ZIPs
Top 49%
home value, US ZIPs
396
people per sq mi
61%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12565 against every reporting US ZIP.

ZIP code 12565 is a sparsely populated ZIP (a standard USPS delivery area) in Philmont, Columbia County, New York, home to just 1,487 residents across 3.8 square miles, a density of 396 people per square mile, in the New York time zone.

ZIP 12565 reports a modest median household income of $56,563 (39% below the New York average), while per-capita income is $36,895. The poverty rate stands at 21.6% and the unemployment rate at 7.1%. On housing, the median home value is $225,000 (41% below the state average) with median rent at $1,193 per month, and 61.1% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 20.3% of adults hold a bachelor's degree or higher, the median age is 37.3, and the average commute is -. To put 12565 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 12565

Top 5 sectors by establishment count in Philmont, NY

Which industries have the most business establishments in ZIP 12565.

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 12565, Philmont, 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

1,487

Population

3.8

Area (sq mi)

396

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 12565?

37.3

Median Age

60.3%

Male

39.7%

Female

11.6%

Foreign-Born

White 77.1%
African American 17.6%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.5%
Hispanic or Latino 5.6%

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?

$56,563

Median Household Income

-39% vs state

$36,895

Per Capita Income

21.6%

Poverty Rate

7.1%

Unemployment Rate

How ZIP 12565 ranks nationally

Philmont, NY household income vs. every US ZIP code

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

$56,563 23rd percentile higher than 23% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 70.3%
Bachelor's Degree or Higher 20.3%

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

What does housing look like?

764

Total Housing Units

579

Occupied Units

185

Vacant Units

2.25

Avg Household Size

Occupancy Type

Owner 61.1%
Renter 38.9%

$225,000

Median Home Value

-41% vs state

$1,193

Median Rent

1938

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 32 business establishments in ZIP 12565, employing approximately 358 people with a combined annual payroll of $15,325,000.

32

Businesses

358

Employees

$15.3M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Construction 6 18.8%
Retail trade 5 15.6%
Health care and social assistance 5 15.6%
Accommodation and food services 4 12.5%
Other services (except public administration) 3 9.4%

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 12565 vs 12075 →

ZIP 12565 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 12565 ranks #6 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 12565 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 12565 ranks #9 of 9 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
12075 Ghent, NY 3,418 3.6 mi
12521 Craryville, NY 1,644 5.4 mi
12530 Hollowville, NY 124 3.5 mi
12513 Claverack, NY 651 4.7 mi
12534 Hudson, NY 17,867 5.7 mi
12172 Stottville, NY 405 5.5 mi
12529 Hillsdale, NY 2,859 6.0 mi
12037 Chatham, NY 4,015 7.8 mi
12174 Stuyvesant Falls, NY 345 8.4 mi
12165 Spencertown, NY 175 8.3 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
12526 standard
Germantown, NY
Pop: 3,686
12075 standard
Ghent, NY
Pop: 3,418
12529 standard
Hillsdale, NY
Pop: 2,859

Related Areas

Columbia County Philmont, NY New York

Frequently Asked Questions

What county is ZIP code 12565 in? ▼
ZIP code 12565 (Philmont) 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 12565? ▼
ZIP code 12565 in Philmont, NY has a population of 1,487 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12565? ▼
The median household income in ZIP 12565 is $56,563, which is 26% below the national average of $76,288.
What is the average home value in ZIP 12565? ▼
The median home value in ZIP 12565 is $225,000, which is 19% below the national average of $278,155.
What is the demographic makeup of ZIP 12565? ▼
The largest racial group in ZIP 12565 is White at 77.1%. Hispanic or Latino residents make up 5.6% of the population.
How many businesses are in ZIP code 12565? ▼
ZIP code 12565 has 32 business establishments employing approximately 358 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12565? ▼
The top industries by establishment count in ZIP 12565 are: Construction (6), Retail trade (5), Health care and social assistance (5). There are 5 industry sectors represented in total.
What is the education level in ZIP code 12565? ▼
In ZIP code 12565, 70.3% of residents aged 25+ have a high school diploma or higher, and 20.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 12565? ▼
In ZIP code 12565, approximately 61.1% of occupied housing units are owner-occupied and 38.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12565? ▼
The poverty rate in ZIP code 12565 is 21.6% 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.