12032 ZIP Code — Caroga Lake, NY

Fulton County, New York

ZIP code 12032 is located in Caroga Lake, New York, within Fulton County. It covers approximately 93.60 square miles and serves a population of 737 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12032

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 $159,500. Owner-occupancy is high at 97%, well above the national average.

Median household income is $55,000. The poverty rate of 6% is below the national average. 58% 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 33 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 12032 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

737

population

93.60

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12032 ZIP code map

Cities in ZIP code 12032

Below are the cities the US Postal Service accepts for ZIP code 12032. Using any city not on this list may result in mail delivery delays.

City	Status
Caroga Lake	Acceptable
Caroga Lake	Preferred

Nearby ZIP codes

13470 Stratford (4.7 mi) 13454 Salisbury Center (10.7 mi) 13329 Dolgeville (12.4 mi) 12078 Gloversville (14.6 mi) 13452 Saint Johnsville (15.3 mi) 12134 Northville (17.7 mi) 12095 Johnstown (18 mi) 13365 Little Falls (18.1 mi) 12117 Mayfield (18.6 mi) 13416 Newport (19.9 mi)

Demographics updated 05/2026

Population
Total population	737
Population density	8 / sq mi
State FIPS	36
County FIPS	035

Geography
Land area	93.60 sq mi
Water area	4.48 sq mi
Latitude	43.2640
Longitude	-74.5765
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	55.6%	48.9%	37.0%
$50k – $100k	22.6%	31.0%	27.0%
$100k – $200k	20.1%	16.8%	24.4%
Over $200k	1.7%	3.3%	11.5%

Demographics & statistics

737

Population

People per sq mi

51.1

Median age

$55,000

Median household income

$32,143

Per capita income

$159,500

Median home value

Median monthly rent

96.5%

Home ownership

5.6%

Poverty rate

1.6%

Unemployment

1,315

Housing units

17.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	82	11.1%
18 and over	655	88.9%
65 and over	232	31.5%
Median age	51.1 years

Race & ethnicity

White 98.8%

Two or more races 1.2%

Group	Count	%
White	728	98.8%
Two or more races	9	1.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.6%	48.9%	37.0%
$50k – $100k	22.6%	31.0%	27.0%
$100k – $200k	20.1%	16.8%	24.4%
Over $200k	1.7%	3.3%	11.5%

$10k–$15k 2.8%

$15k–$25k 17.9%

$25k–$35k 11.3%

$35k–$50k 4.7%

$50k–$75k 21.7%

$75k–$100k 11.3%

$100k–$150k 21.1%

$150k–$200k 9.1%

Range	% of households
$10k–$15k	2.8%
$15k–$25k	17.9%
$25k–$35k	11.3%
$35k–$50k	4.7%
$50k–$75k	21.7%
$75k–$100k	11.3%
$100k–$150k	21.1%
$150k–$200k	9.1%
Median income	$55,000

Housing

Home values

Under $50k 9.1%

$50k–$100k 16.6%

$100k–$150k 15.6%

$150k–$200k 22.8%

$200k–$300k 19.5%

$300k–$500k 16.3%

Housing overview

Metric	Value
Median home value	$159,500
Median rent / month	$0
Owner occupied	96.5%
Renter occupied	3.5%
Vacant	76.0%
Single-family detached	92.6%
Large apartment buildings	0.0%
Mobile homes	7.4%
Median rooms	4.6
Avg household size (owned)	2.30

Year built

Era	%
2020 or later	0.0%
2010–2019	2.0%
2000–2009	11.2%
1990–1999	6.1%
1980–1989	3.2%
1970–1979	4.6%
1960–1969	11.2%
1950–1959	9.3%
1940–1949	17.1%
1939 or earlier	35.4%

Bedrooms

Size	% of units
No bedroom (studio)	2.3%
1 bedroom	4.8%
2 bedrooms	25.1%
3 bedrooms	48.0%
4 bedrooms	16.6%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	44.3%
2 vehicles	43.7%
3 or more	7.2%

Heating fuel

Fuel type	%
Utility gas	5.0%
Propane / LP gas	40.6%
Fuel oil	32.7%
Wood	17.0%

Households & families

Household type	Count	%
Married-couple family	152	47.8%
Cohabiting couple	36	11.3%
Male householder, no spouse	45	14.2%
Female householder, no spouse	85	26.7%
Households with children under 18	58	18.2%
Households with seniors (65+)	164	51.6%
Average household size	2.32

Marital status

Status	Male	Female
Never married	31.7%	19.8%
Married	53.0%	38.9%
Separated	0.0%	5.2%
Widowed	3.0%	30.8%
Divorced	12.3%	5.2%

Education

Less than 9th grade 0.0%

Some HS, no diploma 9.4%

HS graduate 48.3%

Some college, no degree 5.6%

Associate's degree 19.6%

Bachelor's degree 8.2%

Graduate / professional 9.0%

Metric	%
HS diploma or higher	90.6%
Bachelor's or higher	17.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	5	6.0%
Kindergarten	0	0.0%
Elementary school	32	38.6%
High school	28	33.7%
College / grad school	18	21.7%

Employment

Industry of employment

Education & healthcare 41.0%

Construction 11.9%

Transportation & utilities 10.5%

Retail trade 10.2%

Arts, food & hospitality 6.4%

Public administration 5.8%

Other services 5.3%

Manufacturing 4.4%

Professional & management 4.4%

Occupation

Category	%
Management, business & arts	27.4%
Service	22.4%
Sales & office	20.8%
Natural resources & construction	9.1%
Production & transportation	20.2%

Employment type

Type	%
Private sector	69.0%
Government	25.5%
Self-employed	5.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.9%
Carpool	8.9%
Public transit	0.0%
Walk	0.0%
Work from home	10.2%
Other means	0.0%
Avg commute (minutes)	32.7

Poverty

All people 5.6%

Under 18 years 2.5%

18 and over 6.0%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	57.5%
Retirement income	20.1%
Supplemental Security	4.7%
Cash public assistance	0.9%
Food stamps / SNAP	11.9%

Health indicators

Condition	%
Obesity	30.2%
High blood pressure	35.6%
High cholesterol	35.6%
Diabetes	9.9%
Heart disease	7.2%
Stroke	3.2%
Asthma	10.1%
Arthritis	26.5%
Kidney disease	3.0%
Pulmonary disease	8.0%
Cancer	7.4%

Behavior / access	%
Smoking	19.4%
Binge drinking	16.6%
No physical activity	23.7%
Less than 7 hrs sleep	32.0%
Depression	20.7%
Fair or poor health	12.7%
Poor mental health	13.7%
Poor physical health	10.6%
No health insurance	10.4%
Visited doctor (checkup)	78.5%
Visited dentist	66.8%
Cholesterol screening	92.1%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	0	0.0%

Disability	%
Any disability	9.8%
Under 18	7.3%
18–64 years	6.6%
65 and over	16.4%

Health insurance coverage

Type	%
Private insurance	67.7%
Public insurance	53.5%
No insurance	6.4%
Uninsured under 19	17.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	715	97.0%
Spanish	4	0.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	4	0.6%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	733	99.5%
Born in same state	733	99.5%
Born in different state	671	91.0%
Foreign born	0	0.0%
Naturalized citizen	4	0.5%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	300	40.7%
Italian	119	16.1%
English	44	6%

Ancestry	Count	%
French	30	4.1%
German	21	2.8%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	86.5%

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

Frequently asked questions about ZIP code 12032

What city is ZIP code 12032 in?

ZIP code 12032 is primarily assigned to Caroga Lake, New York.

What county is ZIP code 12032 in?

ZIP code 12032 falls within Fulton County, New York.

Does ZIP code 12032 have a large retiree population?

58% of households in ZIP code 12032 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 12032 mostly owner-occupied?

97% of occupied units in ZIP code 12032 are owner-occupied, well above the national average.

Does ZIP code 12032 have an older population?

32% of residents in ZIP code 12032 are 65 or older, above the national average of ~17%.

What is the typical home value in ZIP code 12032?

The median home value in ZIP code 12032 is $159,500.

What timezone is ZIP code 12032 in?

ZIP code 12032 observes the EST timezone.