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 Moderate-density area
- $125,373
- Median income Above-median income area
- $201,700
- Median home value Near-median home value
- 34.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 12972 (Peru, NY) fell -15.6% from 2023 to 2024. The all-transactions index moved from 300.4 in 2023 to 253.7 in 2024 (2000 = 100).
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 average New York ZIP), while per-capita income is $48,980. The poverty rate is 8.8%, with unemployment at 1.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $201,700 (47% below the average New York ZIP), and median rent is $1,057; owner occupancy is 85.4%.
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 -. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Clinton County, so 12972 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 12972
Top 5 sectors by establishment count in Peru, NY
Which industries have the most business establishments in ZIP 12972.
- Retail trade
Retail trade
13 establishments
- Health care and social assistance
Health care and social assistance
12 establishments
- Accommodation and food services
Accommodation and food services
11 establishments
- Construction
Construction
10 establishments
- Other services (except public administration)
Other services (except public administration)
10 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 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
Who lives in ZIP 12972?
41.9
Median Age
49.8%
Male
50.2%
Female
4.4%
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?
$125,373
Median Household Income
+36% vs state ZIP avg
$48,980
Per Capita Income
8.8%
Poverty Rate
1.4%
Unemployment Rate
How ZIP 12972 ranks among New York ZIPs
Peru, 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)
$125,373 Top 17% higher than 83% 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
2,957housing units
2,957
Total Housing Units
2,733
Occupied Units
224
Vacant Units
2.36
Avg Household Size
Occupancy Type
$201,700
Median Home Value
-47% vs state ZIP avg
$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.
- 12901
Plattsburgh (12901)
33,439 residents
- 12972 6,364
Peru (12972)
6,364 residents
- 12962 5,499
Morrisonville (12962)
5,499 residents
- 12944 4,080
Keeseville (12944)
4,080 residents
- 12918 2,381
Cadyville (12918)
2,381 residents
- 12903 1,217
Plattsburgh (12903)
1,217 residents
- 12975 265
Port Kent (12975)
265 residents
- 12924 158
Keeseville (12924)
158 residents
- 12911 36
Keeseville (12911)
36 residents
What this shows Among its immediate neighbors, ZIP 12972 ranks #2 by population - useful context the national average alone can't give.
ZIP 12972 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12972
Peru (12972)
$125,373 median income
- 12918
Cadyville (12918)
$91,951 median income
- 12962
Morrisonville (12962)
$77,847 median income
- 12903
Plattsburgh (12903)
$77,733 median income
- 12944
Keeseville (12944)
$72,207 median income
- 12901
Plattsburgh (12901)
$60,942 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12972, 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 (6,364 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Clinton County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12972's numbers, next.
- See how ZIP 12972 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Peru, 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.