Zip code 12197: Worcester, New York

Q: What city is zip code 12197?

12197 is assigned to Worcester, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12197 in?

12197 is in Otsego County, New York.

Q: What is the population of 12197?

About 2,298 people live in 12197, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12197?

The median household income in 12197 is $77,778.

Q: What zip codes are near 12197?

The closest zip codes to 12197 are 12064, 13488, 12155, 12036, 13450.

Residential delivery areaOtsego CountyEastern Time

Population

2,298

Median household income

$78K

U.S. $81K

Median home value

$165K

U.S. $333K

Median rent

$732/mo

U.S. $1,413

Median age

45.1

U.S. 38.9

Land area

65 sq mi

35 people/sq mi

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

About 12197

12197 is a rural zip code in Worcester, New York (Otsego County), covering 65 sq mi of land. About 2,298 people live here, or 35 per square mile. The median resident is 45.1 years old, compared with 38.9 nationally.

The median household earns $77,778 a year, close to the national median of $80,734. 18.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $165,200, or 2.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 90% of occupied homes are lived in by their owners, and renters pay a median of $732 a month.

28% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 27.7 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in education, healthcare and sales. 21% of them are self-employed (U.S.: 10%).

How 12197 compares

Sorted from highest to lowest national percentile

Rent-burdened renters74.7%
99th
WeaknessU.S. 51.1% · NY 52.1%150th of 1,579 in NY
Housing vacancy34.2%
98th
U.S. 10.1% · NY 10%258th of 1,675 in NY
Self-employed workers21%
98th
U.S. 10% · NY 9.7%157th of 1,685 in NY
Homeownership rate89.6%
95th
StrengthU.S. 65.2% · NY 54.3%334th of 1,673 in NY
Healthcare workers14.5%
94th
U.S. 9.7% · NY 11.8%289th of 1,685 in NY
Government workers24.2%
94th
U.S. 14.5% · NY 16.4%374th of 1,685 in NY
Median age45.1
86th
U.S. 38.9 · NY 39.8676th of 1,693 in NY
Poverty rate18.9%
82nd
WeaknessU.S. 12.5% · NY 14%269th of 1,679 in NY
Residents 65 and older19.6%
71st
U.S. 17.2% · NY 17.9%873rd of 1,693 in NY
Average commute27.7 min
61st
U.S. 26.4 min · NY 32.6 min773rd of 1,618 in NY
Tech workers3.3%
58th
U.S. 3.8% · NY 3.5%479th of 1,685 in NY
Median household income$77,778
47th
U.S. $80,734 · NY $85,974907th of 1,602 in NY
Veterans5.5%
45th
U.S. 6.2% · NY 3.7%838th of 1,693 in NY
Bachelor's degree or higher27.5%
40th
U.S. 35.7% · NY 40.2%1,005th of 1,691 in NY
Unemployment rate4%
34th
U.S. 5.2% · NY 6.4%955th of 1,685 in NY
Work from home9.6%
32nd
U.S. 15.1% · NY 14.9%1,028th of 1,685 in NY
Foreign-born residents5.4%
31st
U.S. 14.1% · NY 22.8%817th of 1,693 in NY
Per capita income$33,307
28th
U.S. $44,673 · NY $50,7121,323rd of 1,690 in NY
Broadband access88.8%
27th
U.S. 91% · NY 90.8%1,088th of 1,673 in NY
Diversity index31.9
26th
U.S. 61.4 · NY 65.5716th of 1,693 in NY
Residents under 1819.1%
25th
U.S. 22% · NY 20.5%921st of 1,693 in NY
Income inequality (Gini)0.401
21st
U.S. 0.483 · NY 0.5171,070th of 1,669 in NY
Median home value$165,200
13th
U.S. $332,700 · NY $423,8001,212th of 1,614 in NY
Median earnings per worker$36,783
13th
WeaknessU.S. $49,666 · NY $55,3211,515th of 1,676 in NY
Population density35/sq mi
5th
U.S. 95/sq mi · NY 421/sq mi1,440th of 1,693 in NY
Uninsured rate1.9%
5th
StrengthU.S. 8.4% · NY 5.1%1,257th of 1,689 in NY
Population2,298
4th
U.S. 334,922,499 · NY 19,852,366994th of 1,693 in NY
Median gross rent$732
4th
U.S. $1,413 · NY $1,6211,283rd of 1,367 in NY

Measure	12197	Otsego	NY	U.S.	National percentile	Rank in NY
Rent-burdened rentersWeakness	74.7%	44%	52.1%	51.1%	99th	150th of 1,579
Housing vacancy	34.2%	22.8%	10%	10.1%	98th	258th of 1,675
Self-employed workers	21%	11.1%	9.7%	10%	98th	157th of 1,685
Homeownership rateStrength	89.6%	73.9%	54.3%	65.2%	95th	334th of 1,673
Healthcare workers	14.5%	11.5%	11.8%	9.7%	94th	289th of 1,685
Government workers	24.2%	20.9%	16.4%	14.5%	94th	374th of 1,685
Median age	45.1	39.9	39.8	38.9	86th	676th of 1,693
Poverty rateWeakness	18.9%	12.5%	14%	12.5%	82nd	269th of 1,679
Residents 65 and older	19.6%	21.5%	17.9%	17.2%	71st	873rd of 1,693
Average commute	27.7 min	22.9 min	32.6 min	26.4 min	61st	773rd of 1,618
Tech workers	3.3%	1.7%	3.5%	3.8%	58th	479th of 1,685
Median household income	$77,778	$68,885	$85,974	$80,734	47th	907th of 1,602
Veterans	5.5%	6.1%	3.7%	6.2%	45th	838th of 1,693
Bachelor's degree or higher	27.5%	34.4%	40.2%	35.7%	40th	1,005th of 1,691
Unemployment rate	4%	6.4%	6.4%	5.2%	34th	955th of 1,685
Work from home	9.6%	11.7%	14.9%	15.1%	32nd	1,028th of 1,685
Foreign-born residents	5.4%	4.1%	22.8%	14.1%	31st	817th of 1,693
Per capita income	$33,307	$36,840	$50,712	$44,673	28th	1,323rd of 1,690
Broadband access	88.8%	87.2%	90.8%	91%	27th	1,088th of 1,673
Diversity index	31.9	22	65.5	61.4	26th	716th of 1,693
Residents under 18	19.1%	14.9%	20.5%	22%	25th	921st of 1,693
Income inequality (Gini)	0.401	0.445	0.517	0.483	21st	1,070th of 1,669
Median home value	$165,200	$179,100	$423,800	$332,700	13th	1,212th of 1,614
Median earnings per workerWeakness	$36,783	$42,860	$55,321	$49,666	13th	1,515th of 1,676
Population density	35/sq mi	60/sq mi	421/sq mi	95/sq mi	5th	1,440th of 1,693
Uninsured rateStrength	1.9%	5.2%	5.1%	8.4%	5th	1,257th of 1,689
Population	2,298	60,108	19,852,366	334,922,499	4th	994th of 1,693
Median gross rent	$732	$987	$1,621	$1,413	4th	1,283rd of 1,367

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

10%

Under 5

5–17

14%

18–24

25–34

35–44

11%

45–54

19%

55–64

11%

65–74

75+

Median age

45.1

Under 18

19.1%

65 and over

19.6%

Race and ethnicity

White81%
Black1%
Hispanic12%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial6%

Diversity index

31.9

U.S. 61.4

Foreign-born

5.4%

U.S. 14.1%

Born in state

68%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

Other

0.7%

Households

Households: 828
Average household size: 2.7
Family households: 78.1%
Married couples: 58.7%
Living alone: 18.1%
Veterans (of adults): 5.5%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

18%

$25–50k

13%

$50–75k

17%

$75–100k

14%

$100–150k

19%

$150–200k

11%

$200k+

Median household income

12197

$77,778

Otsego Co.

$68,885

New York

$85,974

United States

$80,734

Per capita income

$33,307

U.S. $44,673

Poverty rate

18.9%

U.S. 12.5%

Households earning $150K+

18.4%

U.S. 23%

Income inequality (Gini)

0.401

U.S. 0.483

Housing

Median home value

12197

$165,200

Otsego Co.

$179,100

New York

$423,800

United States

$332,700

Median gross rent

12197

$732

Otsego Co.

$987

New York

$1,621

United States

$1,413

Types of housing

Single-family

78%

2–4 units

5–19 units

0.1%

20+ units

Mobile home

18%

Boat, RV, van

Housing units: 1,259
Owner-occupied: 89.6%
Vacant: 34.2%
Median year built: 1944
Median rooms: 6.5
Renters paying 30%+ of income: 74.7%
Renters paying 50%+ of income: 72.2%
Home value to income: 2.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

74%

Carpooled

13%

Transit

Walked

Bicycle

Worked from home

10%

Other

Commute time (one way)

<10 min

10–19

23%

20–29

28%

30–44

26%

45–59

60+

11%

Average commute

27.7 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

57.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Education

15%

Healthcare

15%

Sales

15%

Construction and repair

10%

Management

Office and admin

Farming, fishing and forestry

Transportation and moving

Cleaning and personal care

Business and finance

Engineering and science

Computer and math

Legal and social services

Production

Arts, media and sports

Police and fire

Food service

Industries

Education

19%

Retail

18%

Health care and social assistance

17%

Agriculture and mining

10%

Finance, insurance and real estate

Other services

Information

Manufacturing

Construction

Admin, support and management

Transportation, warehousing and utilities

Public administration

Arts and recreation

Restaurants and hotels

Professional and technical services

Wholesale

0.5%

Median earnings per worker

$36,783

U.S. $49,666

Self-employed

21%

U.S. 10%

Government workers

24.2%

U.S. 14.5%

Nonprofit workers

U.S. 8.8%

Median earnings by type of work

Type of work	12197	U.S.
Management, business, science and arts	$54,464	$74,888
Service	$24,433	$26,804
Sales and office	$14,677	$40,476
Construction and maintenance	$85,050	$49,199
Production and transportation	$36,250	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

29%

Some college

22%

Associate's

17%

Bachelor's

13%

Graduate

15%

High school graduate or higher: 95.5%
Bachelor's degree or higher: 27.5%
Graduate or professional degree: 14.5%
Households with broadband: 88.8%
Cable, fiber or DSL: 47.2%
No internet access: 9.7%
Without health insurance: 1.9%
Limited-English households: 0.7%

Geography

City (USPS): Worcester
State: New York
County: Otsego County
Center point: 42.6100° N, 74.7248° W
Land area: 65 sq mi
Water area: 0.4 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Worcester (unincorporated)13% of zip

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

Zip codes near 12197

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12064	East Worcester, NY	4.5 mi	342	$63,500	$111,700
13488	Westford, NY	5 mi	103	$52,159	$93,000
12155	Schenevus, NY	5.3 mi	1,685	$62,361	$164,700
12036	Charlotteville, NY	5.6 mi	223	$41,823	$108,100
13450	Roseboom, NY	7.8 mi	143	$119,167	$172,500
12149	Richmondville, NY	7.9 mi	2,038	$50,608	$169,500
12175	Summit, NY	9.1 mi	612	$90,250	$152,100
12093	Jefferson, NY	9.2 mi	1,276	$65,321	$174,800
12116	Maryland, NY	11 mi	1,787	$78,986	$167,200
13750	Davenport, NY	11 mi	896	$62,344	$162,700
13786	Harpersfield, NY	11 mi	430	$54,688	$208,600
12043	Cobleskill, NY	11 mi	8,287	$64,583	$186,000

Zip codes like 12197 elsewhere

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

Questions about 12197

What city is zip code 12197?

12197 is assigned to Worcester, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12197 in?

12197 is in Otsego County, New York.

What is the population of 12197?

About 2,298 people live in 12197, according to the Census Bureau's American Community Survey.

What time zone is 12197 in?

12197 is in Eastern Time.

What is the median household income in 12197?

The median household income in 12197 is $77,778.

What zip codes are near 12197?

The closest zip codes to 12197 are 12064, 13488, 12155, 12036, 13450.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12197, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.