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 Moderate-density area
- $55,417
- Median income Below-median income area
- $99,400
- Median home value Below-median home value
- 15.6%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
- 22nd 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 average New York ZIP), while per-capita income is $26,326. The poverty rate is 21.1%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $99,400 (74% below the average New York ZIP), and median rent is $585; owner occupancy is 88.5%.
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 -. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Franklin County, so 12937 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 12937
Top 5 sectors by establishment count in Fort Covington, NY
Which industries have the most business establishments in ZIP 12937.
- Retail trade
Retail trade
5 establishments
- Health care and social assistance
Health care and social assistance
4 establishments
- Other services (except public administration)
Other services (except public administration)
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 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
Who lives in ZIP 12937?
39.7
Median Age
50.3%
Male
49.7%
Female
1.4%
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?
$55,417
Median Household Income
-40% vs state ZIP avg
$26,326
Per Capita Income
21.1%
Poverty Rate
0.9%
Unemployment Rate
How ZIP 12937 ranks among New York ZIPs
Fort Covington, 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)
$55,417 10th percentile higher than 10% 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
650housing units
650
Total Housing Units
506
Occupied Units
144
Vacant Units
2.57
Avg Household Size
Occupancy Type
$99,400
Median Home Value
-74% vs state ZIP avg
$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.
- 12916
Brushton (12916)
2,135 residents
- 12957
Moira (12957)
1,726 residents
- 12937
Fort Covington (12937)
1,572 residents
- 12914
Bombay (12914)
1,044 residents
What this shows Among its immediate neighbors, ZIP 12937 ranks #3 by population - useful context the national average alone can't give.
ZIP 12937 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12916
Brushton (12916)
$69,833 median income
- 12937
Fort Covington (12937)
$55,417 median income
- 12957
Moira (12957)
$54,572 median income
- 12914
Bombay (12914)
$32,778 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12937, 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 (1,572 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Franklin County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12937's numbers, next.
- See how ZIP 12937 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Fort Covington, 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.