PlainZIP

Fort Covington, NY · standard

ZIP Code 12937

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

1,572
19/sq mi
$55,417
Median income
$99,400
Median home value
15.6%
Bachelor's or higher

The verdict

Fort Covington pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

22th pct
household income, US ZIPs
10th pct
home value, US ZIPs
19
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12937 against every reporting US ZIP.

ZIP code 12937 covers 85.0 square miles in Fort Covington, Franklin County, New York (a standard USPS delivery area), with a modest 1,572 residents on file, a density of 19 people per square mile, in the New York time zone.

ZIP 12937 reports a modest median household income of $55,417 (40% below the New York average), while per-capita income is $26,326. The poverty rate stands at 21.1% and the unemployment rate at 0.9%. The typical home here is valued at $99,400 (74% below the state average); renters pay a median of $585 monthly, and 88.5% of units are owner-occupied.

Educational attainment sits below the national norm: 15.6% of adults hold a bachelor's degree or higher, the median age is 39.7, and the average commute is -. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Franklin County, letting you compare 12937 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 12937

Top 5 sectors by establishment count in Fort Covington, NY

Which industries have the most business establishments in ZIP 12937.

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 12937, Fort Covington, 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

1,572

Population

85.0

Area (sq mi)

19

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 12937?

39.7

Median Age

50.3%

Male

49.7%

Female

1.4%

Foreign-Born

White 92.4%
African American 0.2%
Asian 0.2%
American Indian or Alaska Native 2.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.6%
Hispanic or Latino 0.0%

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?

$55,417

Median Household Income

-40% vs state

$26,326

Per Capita Income

21.1%

Poverty Rate

0.9%

Unemployment Rate

How ZIP 12937 ranks nationally

Fort Covington, NY household income vs. every US ZIP code

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

$55,417 22nd percentile higher than 22% 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 55.3%
Bachelor's Degree or Higher 15.6%

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

What does housing look like?

650

Total Housing Units

506

Occupied Units

144

Vacant Units

2.57

Avg Household Size

Occupancy Type

Owner 88.5%
Renter 11.5%

$99,400

Median Home Value

-74% vs state

$585

Median Rent

1969

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 20 business establishments in ZIP 12937, employing approximately 66 people with a combined annual payroll of $2,104,000.

20

Businesses

66

Employees

$2.1M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Retail trade 5 25.0%
Health care and social assistance 4 20.0%
Other services (except public administration) 3 15.0%

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 12937 vs 12914 →

ZIP 12937 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 12937 ranks #3 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 12937 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 12937 ranks #2 of 4 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
12914 Bombay, NY 1,044 6.3 mi
12916 Brushton, NY 2,135 8.9 mi
12957 Moira, NY 1,726 9.0 mi

More ZIP Codes in Franklin County

12953 standard
Malone, NY
Pop: 15,836
12983 standard
Saranac Lake, NY
Pop: 7,494
12986 standard
Tupper Lake, NY
Pop: 6,120
13655 standard
Hogansburg, NY
Pop: 3,512
12966 standard
North Bangor, NY
Pop: 2,915
12920 standard
Chateaugay, NY
Pop: 2,842

Related Areas

Franklin County Fort Covington, NY New York

Frequently Asked Questions

What county is ZIP code 12937 in? ▼
ZIP code 12937 (Fort Covington) is located in Franklin County, New York. Franklin County contains multiple ZIP codes, see the full list at /counties/franklin-ny.
What is the population of ZIP code 12937? ▼
ZIP code 12937 in Fort Covington, NY has a population of 1,572 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12937? ▼
The median household income in ZIP 12937 is $55,417, which is 27% below the national average of $76,288.
What is the average home value in ZIP 12937? ▼
The median home value in ZIP 12937 is $99,400, which is 64% below the national average of $278,155.
What is the demographic makeup of ZIP 12937? ▼
The largest racial group in ZIP 12937 is White at 92.4%.
How many businesses are in ZIP code 12937? ▼
ZIP code 12937 has 20 business establishments employing approximately 66 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12937? ▼
The top industries by establishment count in ZIP 12937 are: Retail trade (5), Health care and social assistance (4), Other services (except public administration) (3). There are 3 industry sectors represented in total.
What is the education level in ZIP code 12937? ▼
In ZIP code 12937, 55.3% of residents aged 25+ have a high school diploma or higher, and 15.6% 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 12937? ▼
In ZIP code 12937, approximately 88.5% of occupied housing units are owner-occupied and 11.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12937? ▼
The poverty rate in ZIP code 12937 is 21.1% 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.