Zip code 12937: Fort Covington, New York

Q: What city is zip code 12937?

12937 is assigned to Fort Covington, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12937 in?

12937 is in Franklin County, New York.

Q: What is the population of 12937?

About 1,300 people live in 12937, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12937?

The median household income in 12937 is $55,417.

Q: What zip codes are near 12937?

The closest zip codes to 12937 are 12914, 13655, 12926, 12916, 12957.

Residential delivery areaFranklin CountyEastern Time

Population

1,300

Median household income

$55K

U.S. $81K

Median home value

$99K

U.S. $333K

Median rent

$585/mo

U.S. $1,413

Median age

39.7

U.S. 38.9

Land area

34 sq mi

38 people/sq mi

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

About 12937

12937 is a rural zip code in Fort Covington, New York (Franklin County), covering 34 sq mi of land. About 1,300 people live here, or 38 per square mile. The median resident is 39.7 years old, compared with 38.9 nationally.

The median household earns $55,417 a year, 31% below the national median of $80,734. 21.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $99,400, or 1.8 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 89% of occupied homes are lived in by their owners, and renters pay a median of $585 a month.

16% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 17.6 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in construction and repair; management; and transportation and moving goods. 26% of them are self-employed (U.S.: 10%).

How 12937 compares

Sorted from highest to lowest national percentile

Self-employed workers26.2%
99th
U.S. 10% · NY 9.7%91st of 1,685 in NY
Government workers31.1%
99th
U.S. 14.5% · NY 16.4%129th of 1,685 in NY
Housing vacancy22.2%
95th
U.S. 10.1% · NY 10%439th of 1,675 in NY
Rent-burdened renters66.7%
95th
WeaknessU.S. 51.1% · NY 52.1%220th of 1,579 in NY
Homeownership rate88.5%
94th
StrengthU.S. 65.2% · NY 54.3%384th of 1,673 in NY
Uninsured rate16.4%
91st
WeaknessU.S. 8.4% · NY 5.1%48th of 1,689 in NY
Poverty rate21.1%
86th
WeaknessU.S. 12.5% · NY 14%211th of 1,679 in NY
Residents under 1827%
86th
U.S. 22% · NY 20.5%159th of 1,693 in NY
Veterans9.1%
85th
U.S. 6.2% · NY 3.7%301st of 1,693 in NY
Residents 65 and older19.9%
73rd
U.S. 17.2% · NY 17.9%841st of 1,693 in NY
Median age39.7
55th
U.S. 38.9 · NY 39.81,217th of 1,693 in NY
Healthcare workers9%
43rd
U.S. 9.7% · NY 11.8%1,015th of 1,685 in NY
Work from home10.1%
35th
U.S. 15.1% · NY 14.9%976th of 1,685 in NY
Income inequality (Gini)0.407
26th
U.S. 0.483 · NY 0.517996th of 1,669 in NY
Median household income$55,417
15th
WeaknessU.S. $80,734 · NY $85,9741,447th of 1,602 in NY
Per capita income$26,326
11th
WeaknessU.S. $44,673 · NY $50,7121,581st of 1,690 in NY
Bachelor's degree or higher15.6%
11th
WeaknessU.S. 35.7% · NY 40.2%1,487th of 1,691 in NY
Tech workers0.9%
11th
U.S. 3.8% · NY 3.5%1,145th of 1,685 in NY
Foreign-born residents1.4%
8th
U.S. 14.1% · NY 22.8%1,318th of 1,693 in NY
Diversity index14.5
7th
U.S. 61.4 · NY 65.51,211th of 1,693 in NY
Population density38/sq mi
5th
U.S. 95/sq mi · NY 421/sq mi1,410th of 1,693 in NY
Average commute17.6 min
5th
StrengthU.S. 26.4 min · NY 32.6 min1,509th of 1,618 in NY
Median earnings per worker$31,125
4th
WeaknessU.S. $49,666 · NY $55,3211,598th of 1,676 in NY
Population1,300
2nd
U.S. 334,922,499 · NY 19,852,3661,201st of 1,693 in NY
Median home value$99,400
2nd
U.S. $332,700 · NY $423,8001,550th of 1,614 in NY
Broadband access74.7%
2nd
WeaknessU.S. 91% · NY 90.8%1,604th of 1,673 in NY
Median gross rent$585
1st
U.S. $1,413 · NY $1,6211,356th of 1,367 in NY
Unemployment rate0.9%
1st
StrengthU.S. 5.2% · NY 6.4%1,451st of 1,685 in NY

Measure	12937	Franklin	NY	U.S.	National percentile	Rank in NY
Self-employed workers	26.2%	10.3%	9.7%	10%	99th	91st of 1,685
Government workers	31.1%	30.4%	16.4%	14.5%	99th	129th of 1,685
Housing vacancy	22.2%	23.5%	10%	10.1%	95th	439th of 1,675
Rent-burdened rentersWeakness	66.7%	37.5%	52.1%	51.1%	95th	220th of 1,579
Homeownership rateStrength	88.5%	72.5%	54.3%	65.2%	94th	384th of 1,673
Uninsured rateWeakness	16.4%	5.7%	5.1%	8.4%	91st	48th of 1,689
Poverty rateWeakness	21.1%	18.2%	14%	12.5%	86th	211th of 1,679
Residents under 18	27%	19.9%	20.5%	22%	86th	159th of 1,693
Veterans	9.1%	7.3%	3.7%	6.2%	85th	301st of 1,693
Residents 65 and older	19.9%	19.5%	17.9%	17.2%	73rd	841st of 1,693
Median age	39.7	42	39.8	38.9	55th	1,217th of 1,693
Healthcare workers	9%	12.3%	11.8%	9.7%	43rd	1,015th of 1,685
Work from home	10.1%	6.1%	14.9%	15.1%	35th	976th of 1,685
Income inequality (Gini)	0.407	0.425	0.517	0.483	26th	996th of 1,669
Median household incomeWeakness	$55,417	$65,151	$85,974	$80,734	15th	1,447th of 1,602
Per capita incomeWeakness	$26,326	$32,684	$50,712	$44,673	11th	1,581st of 1,690
Bachelor's degree or higherWeakness	15.6%	23.8%	40.2%	35.7%	11th	1,487th of 1,691
Tech workers	0.9%	0.8%	3.5%	3.8%	11th	1,145th of 1,685
Foreign-born residents	1.4%	3.5%	22.8%	14.1%	8th	1,318th of 1,693
Diversity index	14.5	29.8	65.5	61.4	7th	1,211th of 1,693
Population density	38/sq mi	29/sq mi	421/sq mi	95/sq mi	5th	1,410th of 1,693
Average commuteStrength	17.6 min	20.7 min	32.6 min	26.4 min	5th	1,509th of 1,618
Median earnings per workerWeakness	$31,125	$44,652	$55,321	$49,666	4th	1,598th of 1,676
Population	1,300	46,696	19,852,366	334,922,499	2nd	1,201st of 1,693
Median home value	$99,400	$145,400	$423,800	$332,700	2nd	1,550th of 1,614
Broadband accessWeakness	74.7%	86.4%	90.8%	91%	2nd	1,604th of 1,673
Median gross rent	$585	$843	$1,621	$1,413	1st	1,356th of 1,367
Unemployment rateStrength	0.9%	3.9%	6.4%	5.2%	1st	1,451st 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

23%

5–17

18–24

10%

25–34

10%

35–44

14%

45–54

12%

55–64

65–74

11%

75+

Median age

39.7

Under 18

27%

65 and over

19.9%

Race and ethnicity

White92%
Black0.2%
Hispanic0%
Asian0.2%
Native American2%
Pacific Islander0%
Other2%
Multiracial3%

Diversity index

14.5

U.S. 61.4

Foreign-born

1.4%

U.S. 14.1%

Born in state

80.6%

Language spoken at home (households)

English only

91%

Spanish

Other Indo-European

Asian / Pacific

0.2%

Other

Households

Households: 506
Average household size: 2.6
Family households: 62.5%
Married couples: 50.8%
Living alone: 28.5%
Veterans (of adults): 9.1%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

21%

$25–50k

25%

$50–75k

14%

$75–100k

17%

$100–150k

16%

$150–200k

$200k+

Median household income

12937

$55,417

Franklin Co.

$65,151

New York

$85,974

United States

$80,734

Per capita income

$26,326

U.S. $44,673

Poverty rate

21.1%

U.S. 12.5%

Households earning $150K+

7.1%

U.S. 23%

Income inequality (Gini)

0.407

U.S. 0.483

Housing

Median home value

12937

$99,400

Franklin Co.

$145,400

New York

$423,800

United States

$332,700

Median gross rent

12937

$585

Franklin Co.

$843

New York

$1,621

United States

$1,413

Types of housing

Single-family

80%

2–4 units

5–19 units

20+ units

Mobile home

15%

Boat, RV, van

Housing units: 650
Owner-occupied: 88.5%
Vacant: 22.2%
Median year built: 1969
Median rooms: 6.1
Renters paying 30%+ of income: 66.7%
Renters paying 50%+ of income: 33.3%
Home value to income: 1.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

63%

Carpooled

22%

Transit

Walked

0.7%

Bicycle

Worked from home

10%

Other

Commute time (one way)

<10 min

21%

10–19

21%

20–29

49%

30–44

45–59

60+

Average commute

17.6 min

U.S. 26.4 min

Unemployment

0.9%

U.S. 5.2%

In labor force

56.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

20%

Management

14%

Transportation and moving

12%

Education

11%

Healthcare

Sales

Food service

Office and admin

Cleaning and personal care

Legal and social services

Production

Police and fire

Arts, media and sports

Engineering and science

Farming, fishing and forestry

Computer and math

0.9%

Business and finance

0.2%

Industries

Other services

20%

Education

19%

Health care and social assistance

16%

Agriculture and mining

10%

Construction

Restaurants and hotels

Retail

Public administration

Transportation, warehousing and utilities

Admin, support and management

Professional and technical services

Finance, insurance and real estate

Manufacturing

Arts and recreation

0.7%

Wholesale

Information

Median earnings per worker

$31,125

U.S. $49,666

Self-employed

26.2%

U.S. 10%

Government workers

31.1%

U.S. 14.5%

Nonprofit workers

12%

U.S. 8.8%

Median earnings by type of work

Type of work	12937	U.S.
Management, business, science and arts	$49,500	$74,888
Service	$12,381	$26,804
Sales and office	$27,228	$40,476
Construction and maintenance	$26,518	$49,199
Production and transportation	$35,179	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

40%

Some college

18%

Associate's

18%

Bachelor's

Graduate

10%

High school graduate or higher: 91.9%
Bachelor's degree or higher: 15.6%
Graduate or professional degree: 9.5%
Households with broadband: 74.7%
Cable, fiber or DSL: 62.3%
No internet access: 19.4%
Without health insurance: 16.4%
Limited-English households: 2%

Geography

City (USPS): Fort Covington
State: New York
County: Franklin County
Center point: 44.9552° N, 74.4882° W
Land area: 34 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Fort Covington (unincorporated)53% of zip

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

Zip codes near 12937

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12914	Bombay, NY	5.4 mi	711	$32,778	$98,000
13655	Hogansburg, NY	7.7 mi	3,694	$52,309	$191,100
12926	Constable, NY	7.8 mi	2,371	$56,424	$109,800
12916	Brushton, NY	8.3 mi	2,143	$69,833	$94,700
12957	Moira, NY	8.3 mi	1,781	$54,572	$87,600
13649	Helena, NY	11 mi	56	$156,250	—
12966	North Bangor, NY	12 mi	2,656	$65,893	$114,600
13683	Rooseveltown, NY	12 mi	41	—	—
13613	Brasher Falls, NY	15 mi	2,931	$58,846	$116,600
12917	Burke, NY	16 mi	1,221	$62,750	$124,100
12995	Whippleville, NY · PO box	16 mi	—	—	—
12930	Dickinson Center, NY	16 mi	897	$68,603	$101,600

Zip codes like 12937 elsewhere

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

Questions about 12937

What city is zip code 12937?

12937 is assigned to Fort Covington, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12937 in?

12937 is in Franklin County, New York.

What is the population of 12937?

About 1,300 people live in 12937, according to the Census Bureau's American Community Survey.

What time zone is 12937 in?

12937 is in Eastern Time.

What is the median household income in 12937?

The median household income in 12937 is $55,417.

What zip codes are near 12937?

The closest zip codes to 12937 are 12914, 13655, 12926, 12916, 12957.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12937, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.