PlainZIP

Peru, NY · standard

ZIP Code 12972

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

6,364
30/sq mi
$125,373
Median income
$201,700
Median home value
34.1%
Bachelor's or higher

The verdict

Peru pairs a top-decile household income with below-median home values, in a rural, homeowner-dominated area.

Top 8%
household income, US ZIPs
44th pct
home value, US ZIPs
30
people per sq mi
85%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12972 against every reporting US ZIP.

ZIP code 12972 is a mid-sized community (a standard USPS delivery area) in Peru, Clinton County, New York, home to 6,364 residents across 214.3 square miles, a density of 30 people per square mile, in the New York time zone.

ZIP 12972 skews affluent, with a median household income of $125,373 (36% above the New York average), while per-capita income is $48,980. 8.8% of residents live below the poverty line, and the unemployment rate reads 1.4%. The typical home here is valued at $201,700 (47% below the state average); renters pay a median of $1,057 monthly, and 85.4% of units are owner-occupied.

A solid share of residents have a four-year degree: 34.1% of adults hold a bachelor's degree or higher, the median age is 41.9, and the average commute is -. A geography-based comparison follows: 8 ZIP codes within about 10 miles of 12972, plus 6 more within Clinton County, give a clearer read than the national average 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 12972

Top 5 sectors by establishment count in Peru, NY

Which industries have the most business establishments in ZIP 12972.

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 12972, Peru, 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

6,364

Population

214.3

Area (sq mi)

30

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 12972?

41.9

Median Age

49.8%

Male

50.2%

Female

4.4%

Foreign-Born

White 89.6%
African American 3.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.5%
Hispanic or Latino 4.9%

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?

$125,373

Median Household Income

+36% vs state

$48,980

Per Capita Income

8.8%

Poverty Rate

1.4%

Unemployment Rate

How ZIP 12972 ranks nationally

Peru, NY household income vs. every US ZIP code

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

$125,373 Top 8% higher than 92% 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%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $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 62.8%
Bachelor's Degree or Higher 34.1%

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

What does housing look like?

2,957

Total Housing Units

2,733

Occupied Units

224

Vacant Units

2.36

Avg Household Size

Occupancy Type

Owner 85.4%
Renter 14.6%

$201,700

Median Home Value

-47% vs state

$1,057

Median Rent

1983

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

-15.6%

YoY Change (2024)

254

HPI Index (2000 = 100)

+154%

Total Change Since 2000

Home values in ZIP 12972 have decreased 15.6% over the past year (2024). Since 2000, this ZIP has seen +154% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.1% 183
2021 +9.9% 201
2022 +16.8% 235
2023 +28.1% 300
2024 -15.6% 254

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 79 business establishments in ZIP 12972, employing approximately 523 people with a combined annual payroll of $19,312,000.

79

Businesses

523

Employees

$19.3M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Retail trade 13 16.5%
Health care and social assistance 12 15.2%
Accommodation and food services 11 13.9%
Construction 10 12.7%
Other services (except public administration) 10 12.7%
Finance and insurance 5 6.3%
Administrative and support and waste management and remediation services 5 6.3%
Wholesale trade 3 3.8%
Transportation and warehousing 3 3.8%
Professional, scientific, and technical services 3 3.8%

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 12972 vs 12924 →

ZIP 12972 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 12972 ranks #2 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 12972 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 12972 ranks the highest of 6 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
12924 Keeseville, NY 158 5.6 mi
12911 Keeseville, NY 36 6.0 mi
12944 Keeseville, NY 4,080 8.0 mi
12975 Port Kent, NY 265 7.3 mi
12962 Morrisonville, NY 5,499 10.0 mi
12918 Cadyville, NY 2,381 10.6 mi
12901 Plattsburgh, NY 33,439 11.2 mi
12903 Plattsburgh, NY 1,217 10.5 mi

More ZIP Codes in Clinton County

12901 standard
Plattsburgh, NY
Pop: 33,439
12962 standard
Morrisonville, NY
Pop: 5,499
12992 standard
West Chazy, NY
Pop: 4,778
12929 standard
Dannemora, NY
Pop: 3,938
12919 standard
Champlain, NY
Pop: 3,037
12921 standard
Chazy, NY
Pop: 2,410

Related Areas

Clinton County Peru, NY New York

Frequently Asked Questions

What county is ZIP code 12972 in? ▼
ZIP code 12972 (Peru) is located in Clinton County, New York. Clinton County contains multiple ZIP codes, see the full list at /counties/clinton-ny.
What is the population of ZIP code 12972? ▼
ZIP code 12972 in Peru, NY has a population of 6,364 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12972? ▼
The median household income in ZIP 12972 is $125,373, which is 64% above the national average of $76,288.
What is the average home value in ZIP 12972? ▼
The median home value in ZIP 12972 is $201,700, which is 27% below the national average of $278,155.
What is the demographic makeup of ZIP 12972? ▼
The largest racial group in ZIP 12972 is White at 89.6%. Hispanic or Latino residents make up 4.9% of the population.
How many businesses are in ZIP code 12972? ▼
ZIP code 12972 has 79 business establishments employing approximately 523 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12972? ▼
The top industries by establishment count in ZIP 12972 are: Retail trade (13), Health care and social assistance (12), Accommodation and food services (11). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 12972? ▼
According to the FHFA House Price Index, home values in ZIP 12972 decreased by 15.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 154%. 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 12972? ▼
In ZIP code 12972, 62.8% of residents aged 25+ have a high school diploma or higher, and 34.1% 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 12972? ▼
In ZIP code 12972, approximately 85.4% of occupied housing units are owner-occupied and 14.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12972? ▼
The poverty rate in ZIP code 12972 is 8.8% 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.