12816 ZIP Code — Cambridge, NY

Washington County, New York

ZIP code 12816 is located in Cambridge, New York, within Washington County. It covers approximately 59.87 square miles and serves a population of 4,626 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12816

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $189,800. Owner-occupancy is high at 82%, well above the national average.

Median household income is $70,260. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 30 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12816 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,626

population

59.87

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12816 ZIP code map

Cities in ZIP code 12816

Below are the cities the US Postal Service accepts for ZIP code 12816. Using any city not on this list may result in mail delivery delays.

City	Status
Cambridge	Acceptable
Cambridge	Preferred

Nearby ZIP codes

12834 Greenwich (5.1 mi) 12873 Shushan (5.6 mi) 12057 Eagle Bridge (6.4 mi) 12823 Cossayuna (7.9 mi) 05257 North Bennington (10.5 mi) 12865 Salem (11.1 mi) 12871 Schuylerville (11.2 mi) 05262 Shaftsbury (11.6 mi) 05250 Arlington (12.1 mi) 12090 Hoosick Falls (12.6 mi) 12185 Valley Falls (12.7 mi) 12809 Argyle (12.8 mi)

Demographics updated 05/2026

Population
Total population	4,626
Population density	77 / sq mi
State FIPS	36
County FIPS	115

Geography
Land area	59.87 sq mi
Water area	0.41 sq mi
Latitude	43.0628
Longitude	-73.4012
Timezone	Eastern (ET)
Area code	518

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.2%	40.6%	37.0%
$50k – $100k	35.0%	35.4%	27.0%
$100k – $200k	20.7%	21.1%	24.4%
Over $200k	4.1%	2.9%	11.5%

Demographics & statistics

4,626

Population

People per sq mi

49.9

Median age

$70,260

Median household income

$39,027

Per capita income

$189,800

Median home value

$964

Median monthly rent

81.6%

Home ownership

9.9%

Poverty rate

3.5%

Unemployment

2,166

Housing units

32.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

108

5–9

127

136

10–14

160

191

15–19

224

125

20–24

147

164

25–34

192

205

35–44

240

286

45–54

334

171

55–59

201

186

60–64

217

279

65–74

326

142

75–84

167

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	968	20.9%
18 and over	3,658	79.1%
65 and over	1,094	23.6%
Median age	49.9 years

Race & ethnicity

White 92.8%

Two or more races 2.5%

Hispanic or Latino 1.9%

Black or African American 1.3%

Asian 1%

Other race 0.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	4,377	92.8%
Two or more races	120	2.5%
Hispanic or Latino	90	1.9%
Black or African American	61	1.3%
Asian	46	1%
Other race	14	0.3%
American Indian / Alaska Native	8	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.2%	40.6%	37.0%
$50k – $100k	35.0%	35.4%	27.0%
$100k – $200k	20.7%	21.1%	24.4%
Over $200k	4.1%	2.9%	11.5%

Under $10k 4.3%

$10k–$15k 3.4%

$15k–$25k 10.1%

$25k–$35k 9.6%

$35k–$50k 10.2%

$50k–$75k 16.8%

$75k–$100k 14.8%

$100k–$150k 19.0%

$150k–$200k 4.8%

$200k+ 7.2%

Range	% of households
Under $10k	4.3%
$10k–$15k	3.4%
$15k–$25k	10.1%
$25k–$35k	9.6%
$35k–$50k	10.2%
$50k–$75k	16.8%
$75k–$100k	14.8%
$100k–$150k	19.0%
$150k–$200k	4.8%
$200k+	7.2%
Median income	$70,260

Housing

Home values

Under $50k 6.5%

$50k–$100k 7.3%

$100k–$150k 18.5%

$150k–$200k 22.6%

$200k–$300k 23.1%

$300k–$500k 14.0%

$500k–$1M 5.1%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$189,800
Median rent / month	$964
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	20.8%
Single-family detached	76.7%
Large apartment buildings	4.0%
Mobile homes	8.3%
Median rooms	5.9
Avg household size (owned)	2.35

Year built

Era	%
2020 or later	0.0%
2010–2019	2.8%
2000–2009	7.8%
1990–1999	6.9%
1980–1989	8.2%
1970–1979	8.6%
1960–1969	5.7%
1950–1959	11.0%
1940–1949	4.6%
1939 or earlier	44.3%

Bedrooms

Size	% of units
No bedroom (studio)	3.7%
1 bedroom	12.7%
2 bedrooms	27.4%
3 bedrooms	39.1%
4 bedrooms	13.4%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	7.5%
1 vehicle	34.8%
2 vehicles	37.6%
3 or more	20.1%

Heating fuel

Fuel type	%
Utility gas	3.3%
Electricity	9.0%
Propane / LP gas	17.5%
Fuel oil	55.4%
Wood	11.2%
Solar	0.4%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	831	41.4%
Cohabiting couple	239	11.9%
Male householder, no spouse	393	19.6%
Female householder, no spouse	546	27.2%
Households with children under 18	464	23.1%
Households with seniors (65+)	827	41.2%
Average household size	2.28

Marital status

Status	Male	Female
Never married	37.7%	32.0%
Married	46.3%	37.6%
Separated	0.7%	1.0%
Widowed	3.3%	15.4%
Divorced	12.1%	13.9%

Education

Less than 9th grade 2.0%

Some HS, no diploma 5.2%

HS graduate 31.3%

Some college, no degree 18.2%

Associate's degree 11.2%

Bachelor's degree 16.2%

Graduate / professional 15.9%

Metric	%
HS diploma or higher	92.8%
Bachelor's or higher	32.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	37	3.3%
Kindergarten	70	6.3%
Elementary school	402	36.2%
High school	396	35.6%
College / grad school	207	18.6%

Employment

Industry of employment

Education & healthcare 24.0%

Professional & management 16.3%

Manufacturing 12.8%

Retail trade 7.6%

Construction 7.5%

Arts, food & hospitality 6.3%

Other services 6.1%

Transportation & utilities 4.8%

Finance & real estate 4.3%

Public administration 4.0%

Agriculture & mining 3.8%

Wholesale trade 1.8%

Information 0.7%

Occupation

Category	%
Management, business & arts	43.6%
Service	13.4%
Sales & office	15.4%
Natural resources & construction	13.8%
Production & transportation	13.8%

Employment type

Type	%
Private sector	74.5%
Government	14.8%
Self-employed	10.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.5%
Carpool	10.1%
Public transit	0.1%
Walk	4.1%
Work from home	11.5%
Other means	0.8%
Avg commute (minutes)	29.8

Poverty

All people 9.9%

Under 18 years 9.6%

18 and over 10.0%

Married-couple families 4.3%

Female-led households 11.0%

Income support

Source	% of households
Social Security	43.0%
Retirement income	33.3%
Supplemental Security	2.6%
Cash public assistance	0.6%
Food stamps / SNAP	8.3%

Health indicators

Condition	%
Obesity	31.5%
High blood pressure	32.5%
High cholesterol	33.0%
Diabetes	9.4%
Heart disease	6.9%
Stroke	3.1%
Asthma	10.2%
Arthritis	27.8%
Kidney disease	3.1%
Pulmonary disease	7.4%
Cancer	8.1%

Behavior / access	%
Smoking	16.3%
Binge drinking	16.5%
No physical activity	22.8%
Less than 7 hrs sleep	31.3%
Depression	20.3%
Fair or poor health	12.3%
Poor mental health	13.5%
Poor physical health	9.9%
No health insurance	9.9%
Visited doctor (checkup)	78.1%
Visited dentist	68.2%
Cholesterol screening	92.3%
Teeth loss	13.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	235	6.4%

Disability	%
Any disability	13.7%
Under 18	4.4%
18–64 years	10.9%
65 and over	28.2%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	42.2%
No insurance	4.8%
Uninsured under 19	2.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,508	97.4%
Spanish	78	1.7%
Other Indo-European	68	1.5%
Asian & Pacific Islander	0	0.0%
Other languages	10	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,517	97.6%
Born in same state	4,468	96.6%
Born in different state	2,936	63.5%
Foreign born	49	1.1%
Naturalized citizen	109	2.4%
Not a US citizen	88	80.7%

Ancestry

Ancestry	Count	%
Italian	1,067	23.1%
French	711	15.4%
Arab	430	9.3%
German	280	6.1%
English	113	2.4%

Ancestry	Count	%
Polish	23	0.5%
Irish	9	0.2%
Norwegian	7	0.2%
Dutch	2	0%

Technology access

Metric	% of households
Computer access	43.4%
Internet access	92.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 12816

What city is ZIP code 12816 in?

ZIP code 12816 is primarily assigned to Cambridge, New York.

What county is ZIP code 12816 in?

ZIP code 12816 falls within Washington County, New York.

Does ZIP code 12816 have a large retiree population?

43% of households in ZIP code 12816 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 12816 mostly owner-occupied?

82% of occupied units in ZIP code 12816 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 12816?

The median home value in ZIP code 12816 is $189,800.

What is the population of ZIP code 12816?

ZIP code 12816 has an estimated population of 4,626 residents, with a density of 77 people per square mile.

What timezone is ZIP code 12816 in?

ZIP code 12816 observes the EST timezone.