12092

Zip code 12092: Howes Cave, New York

Q: What city is zip code 12092?

12092 is assigned to Howes Cave, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12092 in?

12092 is in Schoharie County, New York.

Q: What is the population of 12092?

About 1,208 people live in 12092, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12092?

The median household income in 12092 is $58,615.

Q: What zip codes are near 12092?

The closest zip codes to 12092 are 12035, 12160, 12157, 12031, 12066.

Residential delivery areaSchoharie CountyEastern Time

Population

1,208

Median household income

$59K

U.S. $81K

Median home value

$218K

U.S. $333K

Median rent

$1,039/mo

U.S. $1,413

Median age

45.3

U.S. 38.9

Land area

15 sq mi

78 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 12092

12092 is a small-town zip code in Howes Cave, New York (Schoharie County), covering 15 sq mi of land. About 1,208 people live here, or 78 per square mile. The median resident is 45.3 years old, compared with 38.9 nationally.

The median household earns $58,615 a year, 27% below the national median of $80,734. 25.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $217,600, or 3.7 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 65% of occupied homes are lived in by their owners, and renters pay a median of $1,039 a month.

29% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 24.5 minutes each way, and 9% of workers work from home. The most common jobs among working residents are in business and finance; construction and repair; and cleaning and personal care.

How 12092 compares

Sorted from highest to lowest national percentile

Government workers37.5%
99th
U.S. 14.5% · NY 16.4%58th of 1,685 in NY
Poverty rate25.7%
93rd
WeaknessU.S. 12.5% · NY 14%115th of 1,679 in NY
Median age45.3
87th
U.S. 38.9 · NY 39.8660th of 1,693 in NY
Residents 65 and older23%
87th
U.S. 17.2% · NY 17.9%552nd of 1,693 in NY
Rent-burdened renters61%
85th
WeaknessU.S. 51.1% · NY 52.1%353rd of 1,579 in NY
Median earnings per worker$55,270
68th
U.S. $49,666 · NY $55,321656th of 1,676 in NY
Veterans6.8%
63rd
U.S. 6.2% · NY 3.7%622nd of 1,693 in NY
Income inequality (Gini)0.447
60th
U.S. 0.483 · NY 0.517606th of 1,669 in NY
Bachelor's degree or higher28.7%
43rd
U.S. 35.7% · NY 40.2%968th of 1,691 in NY
Unemployment rate4.5%
43rd
U.S. 5.2% · NY 6.4%851st of 1,685 in NY
Per capita income$37,333
42nd
U.S. $44,673 · NY $50,7121,085th of 1,690 in NY
Homeownership rate64.9%
41st
U.S. 65.2% · NY 54.3%1,289th of 1,673 in NY
Average commute24.5 min
40th
U.S. 26.4 min · NY 32.6 min1,051st of 1,618 in NY
Work from home8.7%
26th
U.S. 15.1% · NY 14.9%1,116th of 1,685 in NY
Median home value$217,600
25th
U.S. $332,700 · NY $423,800929th of 1,614 in NY
Median gross rent$1,039
24th
U.S. $1,413 · NY $1,621837th of 1,367 in NY
Median household income$58,615
19th
WeaknessU.S. $80,734 · NY $85,9741,383rd of 1,602 in NY
Residents under 1818.1%
19th
U.S. 22% · NY 20.5%1,059th of 1,693 in NY
Foreign-born residents2.2%
13th
U.S. 14.1% · NY 22.8%1,178th of 1,693 in NY
Self-employed workers6.4%
13th
U.S. 10% · NY 9.7%1,338th of 1,685 in NY
Population density78/sq mi
11th
U.S. 95/sq mi · NY 421/sq mi1,126th of 1,693 in NY
Diversity index18.3
11th
U.S. 61.4 · NY 65.51,073rd of 1,693 in NY
Population1,208
2nd
U.S. 334,922,499 · NY 19,852,3661,235th of 1,693 in NY
Broadband access76.1%
2nd
WeaknessU.S. 91% · NY 90.8%1,595th of 1,673 in NY
Housing vacancy1.5%
2nd
U.S. 10.1% · NY 10%1,566th of 1,675 in NY
Uninsured rate0.2%
1st
StrengthU.S. 8.4% · NY 5.1%1,537th of 1,689 in NY
Tech workers0%
1st
U.S. 3.8% · NY 3.5%1,582nd of 1,685 in NY
Healthcare workers3%
1st
U.S. 9.7% · NY 11.8%1,554th of 1,685 in NY

Measure	12092	Schoharie	NY	U.S.	National percentile	Rank in NY
Government workers	37.5%	24.7%	16.4%	14.5%	99th	58th of 1,685
Poverty rateWeakness	25.7%	11.7%	14%	12.5%	93rd	115th of 1,679
Median age	45.3	45.8	39.8	38.9	87th	660th of 1,693
Residents 65 and older	23%	23.9%	17.9%	17.2%	87th	552nd of 1,693
Rent-burdened rentersWeakness	61%	47.2%	52.1%	51.1%	85th	353rd of 1,579
Median earnings per worker	$55,270	$46,736	$55,321	$49,666	68th	656th of 1,676
Veterans	6.8%	7.4%	3.7%	6.2%	63rd	622nd of 1,693
Income inequality (Gini)	0.447	0.444	0.517	0.483	60th	606th of 1,669
Bachelor's degree or higher	28.7%	26.2%	40.2%	35.7%	43rd	968th of 1,691
Unemployment rate	4.5%	5%	6.4%	5.2%	43rd	851st of 1,685
Per capita income	$37,333	$38,809	$50,712	$44,673	42nd	1,085th of 1,690
Homeownership rate	64.9%	76.4%	54.3%	65.2%	41st	1,289th of 1,673
Average commute	24.5 min	30.6 min	32.6 min	26.4 min	40th	1,051st of 1,618
Work from home	8.7%	11.1%	14.9%	15.1%	26th	1,116th of 1,685
Median home value	$217,600	$192,500	$423,800	$332,700	25th	929th of 1,614
Median gross rent	$1,039	$909	$1,621	$1,413	24th	837th of 1,367
Median household incomeWeakness	$58,615	$70,133	$85,974	$80,734	19th	1,383rd of 1,602
Residents under 18	18.1%	17.2%	20.5%	22%	19th	1,059th of 1,693
Foreign-born residents	2.2%	3.1%	22.8%	14.1%	13th	1,178th of 1,693
Self-employed workers	6.4%	12%	9.7%	10%	13th	1,338th of 1,685
Population density	78/sq mi	48/sq mi	421/sq mi	95/sq mi	11th	1,126th of 1,693
Diversity index	18.3	20.9	65.5	61.4	11th	1,073rd of 1,693
Population	1,208	30,049	19,852,366	334,922,499	2nd	1,235th of 1,693
Broadband accessWeakness	76.1%	87.8%	90.8%	91%	2nd	1,595th of 1,673
Housing vacancy	1.5%	22.3%	10%	10.1%	2nd	1,566th of 1,675
Uninsured rateStrength	0.2%	4.6%	5.1%	8.4%	1st	1,537th of 1,689
Tech workers	0%	3.1%	3.5%	3.8%	1st	1,582nd of 1,685
Healthcare workers	3%	8%	11.8%	9.7%	1st	1,554th of 1,685

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

13%

5–17

18–24

18%

25–34

13%

35–44

45–54

20%

55–64

16%

65–74

75+

Median age

45.3

Under 18

18.1%

65 and over

23%

Race and ethnicity

White90%
Black0%
Hispanic6%
Asian0%
Native American0%
Pacific Islander2%
Other0%
Multiracial2%

Diversity index

18.3

U.S. 61.4

Foreign-born

2.2%

U.S. 14.1%

Born in state

87.5%

Language spoken at home (households)

English only

100%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 573
Average household size: 2.1
Family households: 55.7%
Married couples: 41.7%
Living alone: 36.3%
Veterans (of adults): 6.8%
Male / female: 58% / 42%

Income and poverty

Household income distribution

<$25k

23%

$25–50k

17%

$50–75k

22%

$75–100k

$100–150k

18%

$150–200k

$200k+

Median household income

12092

$58,615

Schoharie Co.

$70,133

New York

$85,974

United States

$80,734

Per capita income

$37,333

U.S. $44,673

Poverty rate

25.7%

U.S. 12.5%

Households earning $150K+

14.3%

U.S. 23%

Income inequality (Gini)

0.447

U.S. 0.483

Housing

Median home value

12092

$217,600

Schoharie Co.

$192,500

New York

$423,800

United States

$332,700

Median gross rent

12092

$1,039

Schoharie Co.

$909

New York

$1,621

United States

$1,413

Types of housing

Single-family

56%

2–4 units

30%

5–19 units

20+ units

Mobile home

12%

Boat, RV, van

Housing units: 582
Owner-occupied: 64.9%
Vacant: 1.5%
Median year built: 1939 or earlier
Median rooms: 6.6
Renters paying 30%+ of income: 61%
Renters paying 50%+ of income: 17.1%
Home value to income: 3.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

87%

Carpooled

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

0.4%

10–19

44%

20–29

32%

30–44

45–59

13%

60+

Average commute

24.5 min

U.S. 26.4 min

Unemployment

4.5%

U.S. 5.2%

In labor force

54.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Business and finance

20%

Construction and repair

16%

Cleaning and personal care

12%

Management

11%

Sales

10%

Production

Police and fire

Transportation and moving

Food service

Legal and social services

Arts, media and sports

Healthcare

Office and admin

Computer and math

Engineering and science

Education

Farming, fishing and forestry

Industries

Public administration

15%

Health care and social assistance

15%

Retail

14%

Manufacturing

13%

Construction

10%

Professional and technical services

Other services

Education

Transportation, warehousing and utilities

Arts and recreation

Restaurants and hotels

Finance, insurance and real estate

Admin, support and management

Wholesale

Information

Agriculture and mining

Median earnings per worker

$55,270

U.S. $49,666

Self-employed

6.4%

U.S. 10%

Government workers

37.5%

U.S. 14.5%

Nonprofit workers

25.8%

U.S. 8.8%

Median earnings by type of work

Type of work	12092	U.S.
Management, business, science and arts	$57,168	$74,888
Service	$11,979	$26,804
Sales and office	$27,813	$40,476
Construction and maintenance	$56,958	$49,199
Production and transportation	$36,838	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

12%

High school

22%

Some college

26%

Associate's

12%

Bachelor's

Graduate

25%

High school graduate or higher: 88.4%
Bachelor's degree or higher: 28.7%
Graduate or professional degree: 24.9%
Households with broadband: 76.1%
Cable, fiber or DSL: 62.8%
No internet access: 21.6%
Without health insurance: 0.2%
Limited-English households: 0%

Geography

City (USPS): Howes Cave
State: New York
County: Schoharie County
Center point: 42.7059° N, 74.3796° W
Land area: 15 sq mi
Water area: 0.2 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Central Bridge (unincorporated)9% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 12092

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12035	Central Bridge, NY	2 mi	566	$98,375	$211,400
12160	Sloansville, NY	4 mi	716	$69,750	$167,600
12157	Schoharie, NY	5.4 mi	4,713	$75,997	$223,400
12031	Carlisle, NY	6 mi	120	$87,143	$270,200
12066	Esperance, NY	6.5 mi	1,863	$78,571	$197,800
12187	Warnerville, NY	6.9 mi	752	$78,149	$187,500
12043	Cobleskill, NY	7.7 mi	8,287	$64,583	$186,000
12073	Gallupville, NY · PO box	8 mi	—	—	—
12071	Fultonham, NY	9.6 mi	283	$99,375	$183,200
12141	Quaker Street, NY · PO box	10 mi	—	—	—
12053	Delanson, NY	10 mi	4,550	$91,991	$266,600
12166	Sprakers, NY	10 mi	1,635	$94,821	$219,400

Zip codes like 12092 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 12092

What city is zip code 12092?

12092 is assigned to Howes Cave, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12092 in?

12092 is in Schoharie County, New York.

What is the population of 12092?

About 1,208 people live in 12092, according to the Census Bureau's American Community Survey.

What time zone is 12092 in?

12092 is in Eastern Time.

What is the median household income in 12092?

The median household income in 12092 is $58,615.

What zip codes are near 12092?

The closest zip codes to 12092 are 12035, 12160, 12157, 12031, 12066.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12092, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.