12920 ZIP Code — Chateaugay, NY

Franklin County, New York

ZIP code 12920 is located in Chateaugay, New York, within Franklin County. It covers approximately 79.75 square miles and serves a population of 2,429 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12920

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 $123,400. Owner-occupancy is high at 83%, well above the national average.

Median household income is $67,885. 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 25 minutes is near the national average.

Educational attainment is near the national average, with 21% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 12920 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

2,429

population

79.75

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12920 ZIP code map

Cities in ZIP code 12920

Below are the cities the US Postal Service accepts for ZIP code 12920. Using any city not on this list may result in mail delivery delays.

City	Status
Chateaugay	Preferred

Nearby ZIP codes

12917 Burke (5.9 mi) 12923 Churubusco (7.8 mi) 12955 Lyon Mountain (7.9 mi) 12934 Ellenburg Center (8.9 mi) 12969 Owls Head (11.5 mi) 12952 Lyon Mountain (12.3 mi) 12953 Malone (13.5 mi) 12935 Ellenburg Depot (13.9 mi) 12926 Constable (14.1 mi) 12959 Mooers Forks (17.5 mi) 12966 North Bangor (18.5 mi)

Demographics updated 05/2026

Population
Total population	2,429
Population density	30 / sq mi
State FIPS	36
County FIPS	033

Geography
Land area	79.75 sq mi
Water area	1.13 sq mi
Latitude	44.8837
Longitude	-74.0579
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	42.6%	46.8%	37.0%
$50k – $100k	28.7%	32.0%	27.0%
$100k – $200k	19.3%	17.5%	24.4%
Over $200k	9.4%	3.8%	11.5%

Demographics & statistics

2,429

Population

People per sq mi

43.4

Median age

$67,885

Median household income

$36,742

Per capita income

$123,400

Median home value

$916

Median monthly rent

83.0%

Home ownership

17.5%

Poverty rate

4.4%

Unemployment

1,346

Housing units

21.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

102

10–14

109

15–19

105

20–24

104

25–34

100

150

35–44

143

172

45–54

164

120

55–59

115

60–64

112

65–74

107

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	607	25.0%
18 and over	1,822	75.0%
65 and over	427	17.6%
Median age	43.4 years

Race & ethnicity

White 87.8%

Two or more races 5.3%

Hispanic or Latino 3.6%

American Indian / Alaska Native 1.5%

Black or African American 1.1%

Asian 0.4%

Other race 0.3%

Group	Count	%
White	2,214	87.8%
Two or more races	133	5.3%
Hispanic or Latino	92	3.6%
American Indian / Alaska Native	37	1.5%
Black or African American	27	1.1%
Asian	10	0.4%
Other race	8	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.6%	46.8%	37.0%
$50k – $100k	28.7%	32.0%	27.0%
$100k – $200k	19.3%	17.5%	24.4%
Over $200k	9.4%	3.8%	11.5%

Under $10k 6.1%

$10k–$15k 3.2%

$15k–$25k 8.2%

$25k–$35k 7.5%

$35k–$50k 12.8%

$50k–$75k 15.9%

$75k–$100k 12.6%

$100k–$150k 17.3%

$150k–$200k 7.0%

$200k+ 9.4%

Range	% of households
Under $10k	6.1%
$10k–$15k	3.2%
$15k–$25k	8.2%
$25k–$35k	7.5%
$35k–$50k	12.8%
$50k–$75k	15.9%
$75k–$100k	12.6%
$100k–$150k	17.3%
$150k–$200k	7.0%
$200k+	9.4%
Median income	$67,885

Housing

Home values

Under $50k 8.0%

$50k–$100k 26.5%

$100k–$150k 27.5%

$150k–$200k 18.1%

$200k–$300k 11.6%

$300k–$500k 6.7%

$500k–$1M 1.5%

Housing overview

Metric	Value
Median home value	$123,400
Median rent / month	$916
Owner occupied	83.0%
Renter occupied	17.0%
Vacant	32.6%
Single-family detached	77.8%
Large apartment buildings	0.5%
Mobile homes	14.7%
Median rooms	6.0
Avg household size (owned)	2.40

Year built

Era	%
2020 or later	0.0%
2010–2019	6.4%
2000–2009	10.6%
1990–1999	11.3%
1980–1989	13.1%
1970–1979	8.7%
1960–1969	6.3%
1950–1959	7.0%
1940–1949	1.8%
1939 or earlier	34.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	7.1%
2 bedrooms	22.8%
3 bedrooms	40.6%
4 bedrooms	22.4%
5+ bedrooms	6.4%

Vehicles per household

Vehicles	% of households
No vehicle	4.3%
1 vehicle	30.4%
2 vehicles	34.9%
3 or more	30.5%

Heating fuel

Fuel type	%
Utility gas	1.1%
Electricity	8.6%
Propane / LP gas	12.7%
Fuel oil	61.0%
Wood	9.7%

Households & families

Household type	Count	%
Married-couple family	506	49.4%
Cohabiting couple	99	9.7%
Male householder, no spouse	164	16.0%
Female householder, no spouse	255	24.9%
Households with children under 18	337	32.9%
Households with seniors (65+)	326	31.8%
Average household size	2.34

Marital status

Status	Male	Female
Never married	23.0%	33.3%
Married	60.9%	44.3%
Separated	6.3%	1.8%
Widowed	1.8%	11.0%
Divorced	8.0%	9.6%

Education

Less than 9th grade 2.7%

Some HS, no diploma 7.4%

HS graduate 35.1%

Some college, no degree 17.5%

Associate's degree 16.2%

Bachelor's degree 13.3%

Graduate / professional 7.8%

Metric	%
HS diploma or higher	89.9%
Bachelor's or higher	21.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	68	10.9%
Kindergarten	35	5.6%
Elementary school	246	39.5%
High school	243	39.0%
College / grad school	31	5.0%

Employment

Industry of employment

Education & healthcare 24.0%

Public administration 17.5%

Retail trade 15.4%

Transportation & utilities 13.1%

Other services 5.3%

Manufacturing 4.9%

Construction 4.3%

Arts, food & hospitality 4.3%

Agriculture & mining 3.8%

Professional & management 3.7%

Finance & real estate 2.7%

Wholesale trade 0.8%

Information 0.3%

Occupation

Category	%
Management, business & arts	32.5%
Service	20.7%
Sales & office	17.9%
Natural resources & construction	8.5%
Production & transportation	20.5%

Employment type

Type	%
Private sector	57.1%
Government	32.4%
Self-employed	8.9%
Unpaid family workers	1.6%

Commute

Method	%
Drive alone	88.9%
Carpool	4.8%
Public transit	0.0%
Walk	2.8%
Work from home	2.5%
Other means	1.0%
Avg commute (minutes)	25.2

Poverty

All people 17.5%

Under 18 years 27.7%

18 and over 14.4%

Married-couple families 6.5%

Female-led households 31.1%

Income support

Source	% of households
Social Security	43.1%
Retirement income	35.7%
Supplemental Security	12.7%
Cash public assistance	7.6%
Food stamps / SNAP	13.8%

Health indicators

Condition	%
Obesity	36.7%
High blood pressure	34.6%
High cholesterol	35.0%
Diabetes	10.3%
Heart disease	6.8%
Stroke	3.3%
Asthma	10.4%
Arthritis	25.2%
Kidney disease	3.1%
Pulmonary disease	8.1%
Cancer	6.8%

Behavior / access	%
Smoking	20.6%
Binge drinking	18.6%
No physical activity	27.7%
Less than 7 hrs sleep	33.9%
Depression	21.4%
Fair or poor health	14.2%
Poor mental health	15.2%
Poor physical health	10.8%
No health insurance	12.8%
Visited doctor (checkup)	78.3%
Visited dentist	60.4%
Cholesterol screening	89.5%
Teeth loss	16.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	243	13.4%

Disability	%
Any disability	15.0%
Under 18	6.0%
18–64 years	13.5%
65 and over	32.6%

Health insurance coverage

Type	%
Private insurance	71.2%
Public insurance	47.4%
No insurance	3.0%
Uninsured under 19	0.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,287	94.2%
Spanish	14	0.6%
Other Indo-European	4	0.2%
Asian & Pacific Islander	10	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,352	96.8%
Born in same state	2,329	95.9%
Born in different state	1,985	81.7%
Foreign born	23	0.9%
Naturalized citizen	77	3.2%
Not a US citizen	45	58.4%

Ancestry

Ancestry	Count	%
Italian	382	15.7%
French	307	12.6%
German	193	7.9%

Ancestry	Count	%
Arab	122	5%
English	31	1.3%
Irish	12	0.5%

Technology access

Metric	% of households
Computer access	42.2%
Internet access	89.2%

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

Frequently asked questions about ZIP code 12920

What city is ZIP code 12920 in?

ZIP code 12920 is primarily assigned to Chateaugay, New York.

What county is ZIP code 12920 in?

ZIP code 12920 falls within Franklin County, New York.

What is the poverty rate in ZIP code 12920?

18% of residents in ZIP code 12920 live below the poverty line, above the national average.

Is ZIP code 12920 mostly owner-occupied?

83% of occupied units in ZIP code 12920 are owner-occupied, well above the national average.

Does ZIP code 12920 have a large retiree population?

43% of households in ZIP code 12920 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 12920 have a large veteran population?

13% of civilians in ZIP code 12920 are veterans, above the national average of ~7%.

What timezone is ZIP code 12920 in?

ZIP code 12920 observes the EST timezone.