12037 ZIP Code — Chatham, NY
Columbia County, New York
ZIP code 12037 is located in Chatham, New York, within Columbia County. It covers approximately 36.20 square miles and serves a population of 4,083 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.
About ZIP code 12037
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $300,700. Owner-occupancy sits near the national average at 72%.
Median household income is $86,650. 38% 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 23 minutes is near the national average.
Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.
4,083
population
36.20
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12037 ZIP code map
Cities in ZIP code 12037
Below are the cities the US Postal Service accepts for ZIP code 12037. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Chatham | Preferred |
Nearby ZIP codes
12165 Spencertown (3.2 mi)
12075 Ghent (3.8 mi)
12017 Austerlitz (5.2 mi)
12136 Old Chatham (6.3 mi)
12060 East Chatham (6.5 mi)
12184 Valatie (7.3 mi)
12565 Philmont (7.5 mi)
12029 Canaan (8 mi)
12106 Kinderhook (8.5 mi)
12115 Malden Bridge (9.2 mi)
12529 Hillsdale (9.4 mi)
12130 Niverville (9.5 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 4,083 |
| Population density | 113 / sq mi |
| State FIPS | 36 |
| County FIPS | 021 |
| Geography | |
|---|---|
| Land area | 36.20 sq mi |
| Water area | 0.15 sq mi |
| Latitude | 42.3363 |
| Longitude | -73.5527 |
| 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 | 39.6% | 36.4% | 37.0% |
| $50k – $100k | 27.2% | 30.8% | 27.0% |
| $100k – $200k | 28.2% | 25.3% | 24.4% |
| Over $200k | 5.0% | 7.4% | 11.5% |
Demographics & statistics
4,083
Population
113
People per sq mi
47.2
Median age
$86,650
Median household income
$45,887
Per capita income
$300,700
Median home value
$1,010
Median monthly rent
72.4%
Home ownership
8.4%
Poverty rate
4.5%
Unemployment
1,629
Housing units
42.0%
Bachelor's or higher
Age distribution
Male
Female
104
Under 5
124
69
5–9
83
109
10–14
131
95
15–19
113
106
20–24
126
216
25–34
259
182
35–44
217
310
45–54
371
140
55–59
167
107
60–64
128
300
65–74
359
83
75–84
99
39
85+
46
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 748 | 18.3% |
| 18 and over | 3,335 | 81.7% |
| 65 and over | 926 | 22.7% |
| Median age | 47.2 years | |
Race & ethnicity
White
90%
Two or more races
7.3%
Black or African American
0.9%
Hispanic or Latino
0.9%
Asian
0.6%
Other race
0.3%
| Group | Count | % |
|---|---|---|
| White | 3,709 | 90% |
| Two or more races | 301 | 7.3% |
| Black or African American | 38 | 0.9% |
| Hispanic or Latino | 36 | 0.9% |
| Asian | 23 | 0.6% |
| Other race | 12 | 0.3% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 39.6% | 36.4% | 37.0% |
| $50k – $100k | 27.2% | 30.8% | 27.0% |
| $100k – $200k | 28.2% | 25.3% | 24.4% |
| Over $200k | 5.0% | 7.4% | 11.5% |
Under $10k
7.4%
$10k–$15k
2.5%
$15k–$25k
7.4%
$25k–$35k
7.1%
$35k–$50k
4.4%
$50k–$75k
15.5%
$75k–$100k
12.7%
$100k–$150k
23.3%
$150k–$200k
8.1%
$200k+
11.5%
| Range | % of households |
|---|---|
| Under $10k | 7.4% |
| $10k–$15k | 2.5% |
| $15k–$25k | 7.4% |
| $25k–$35k | 7.1% |
| $35k–$50k | 4.4% |
| $50k–$75k | 15.5% |
| $75k–$100k | 12.7% |
| $100k–$150k | 23.3% |
| $150k–$200k | 8.1% |
| $200k+ | 11.5% |
| Median income | $86,650 |
Housing
Home values
Under $50k
11.3%
$50k–$100k
4.5%
$100k–$150k
6.3%
$150k–$200k
8.3%
$200k–$300k
19.4%
$300k–$500k
27.9%
$500k–$1M
16.3%
$1M+
6.0%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $300,700 |
| Median rent / month | $1,010 |
| Owner occupied | 72.4% |
| Renter occupied | 27.6% |
| Vacant | 17.8% |
| Single-family detached | 66.5% |
| Large apartment buildings | 4.0% |
| Mobile homes | 9.3% |
| Median rooms | 6.5 |
| Avg household size (owned) | 2.65 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.2% |
| 2010–2019 | 3.0% |
| 2000–2009 | 4.5% |
| 1990–1999 | 11.6% |
| 1980–1989 | 6.6% |
| 1970–1979 | 8.3% |
| 1960–1969 | 4.5% |
| 1950–1959 | 8.9% |
| 1940–1949 | 3.9% |
| 1939 or earlier | 48.5% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.9% |
| 1 bedroom | 15.1% |
| 2 bedrooms | 18.8% |
| 3 bedrooms | 39.8% |
| 4 bedrooms | 16.6% |
| 5+ bedrooms | 8.7% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.6% |
| 1 vehicle | 34.4% |
| 2 vehicles | 46.4% |
| 3 or more | 14.6% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 2.4% |
| Electricity | 11.8% |
| Propane / LP gas | 30.4% |
| Fuel oil | 45.6% |
| Wood | 4.9% |
| Solar | 0.2% |
| No fuel used | 3.3% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 808 | 46.6% |
| Cohabiting couple | 140 | 8.1% |
| Male householder, no spouse | 282 | 16.3% |
| Female householder, no spouse | 503 | 29.0% |
| Households with children under 18 | 460 | 26.5% |
| Households with seniors (65+) | 648 | 37.4% |
| Average household size | 2.35 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 28.2% | 27.0% |
| Married | 56.6% | 45.5% |
| Separated | 3.8% | 1.4% |
| Widowed | 3.2% | 9.2% |
| Divorced | 8.2% | 16.9% |
Education
Less than 9th grade
0.7%
Some HS, no diploma
4.0%
HS graduate
20.4%
Some college, no degree
18.7%
Associate's degree
14.3%
Bachelor's degree
16.2%
Graduate / professional
25.8%
| Metric | % |
|---|---|
| HS diploma or higher | 95.3% |
| Bachelor's or higher | 42.0% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 45 | 7.0% |
| Kindergarten | 16 | 2.5% |
| Elementary school | 341 | 53.1% |
| High school | 135 | 21.0% |
| College / grad school | 105 | 16.4% |
Employment
Industry of employment
Education & healthcare
28.7%
Professional & management
14.9%
Retail trade
12.6%
Finance & real estate
7.6%
Arts, food & hospitality
7.5%
Construction
6.5%
Transportation & utilities
5.6%
Public administration
5.2%
Other services
4.9%
Agriculture & mining
3.9%
Manufacturing
1.5%
Wholesale trade
1.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 47.2% |
| Service | 18.9% |
| Sales & office | 19.9% |
| Natural resources & construction | 7.8% |
| Production & transportation | 6.3% |
Employment type
| Type | % |
|---|---|
| Private sector | 65.6% |
| Government | 17.0% |
| Self-employed | 17.2% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 69.1% |
| Carpool | 4.8% |
| Public transit | 0.4% |
| Walk | 6.7% |
| Work from home | 18.7% |
| Other means | 0.3% |
| Avg commute (minutes) | 23.3 |
Poverty
All people
8.4%
Under 18 years
8.8%
18 and over
8.2%
Married-couple families
3.6%
Female-led households
33.9%
Income support
| Source | % of households |
|---|---|
| Social Security | 37.5% |
| Retirement income | 20.8% |
| Supplemental Security | 3.7% |
| Cash public assistance | 1.6% |
| Food stamps / SNAP | 10.6% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 29.7% |
| High blood pressure | 31.7% |
| High cholesterol | 33.9% |
| Diabetes | 9.7% |
| Heart disease | 6.7% |
| Stroke | 3.0% |
| Asthma | 9.7% |
| Arthritis | 25.3% |
| Kidney disease | 3.0% |
| Pulmonary disease | 6.9% |
| Cancer | 8.1% |
| Behavior / access | % |
|---|---|
| Smoking | 14.7% |
| Binge drinking | 15.9% |
| No physical activity | 20.6% |
| Less than 7 hrs sleep | 31.0% |
| Depression | 20.9% |
| Fair or poor health | 11.2% |
| Poor mental health | 13.0% |
| Poor physical health | 9.5% |
| No health insurance | 8.9% |
| Visited doctor (checkup) | 78.8% |
| Visited dentist | 68.2% |
| Cholesterol screening | 92.8% |
| Teeth loss | 11.4% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 205 | 6.1% |
| Disability | % |
|---|---|
| Any disability | 9.0% |
| Under 18 | 1.5% |
| 18–64 years | 7.1% |
| 65 and over | 20.2% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 71.5% |
| Public insurance | 40.1% |
| No insurance | 7.6% |
| Uninsured under 19 | 14.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 3,855 | 94.4% |
| Spanish | 32 | 0.8% |
| Other Indo-European | 12 | 0.3% |
| Asian & Pacific Islander | 20 | 0.5% |
| Other languages | 0 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 3,899 | 95.5% |
| Born in same state | 3,870 | 94.8% |
| Born in different state | 2,731 | 66.9% |
| Foreign born | 29 | 0.7% |
| Naturalized citizen | 184 | 4.5% |
| Not a US citizen | 109 | 59.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 1,019 | 25% |
| French | 371 | 9.1% |
| English | 202 | 4.9% |
| Arab | 115 | 2.8% |
| Polish | 54 | 1.3% |
| Ancestry | Count | % |
|---|---|---|
| Dutch | 35 | 0.9% |
| Irish | 28 | 0.7% |
| German | 26 | 0.6% |
| Norwegian | 9 | 0.2% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 42.4% |
| Internet access | 96.8% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 12037
What city is ZIP code 12037 in?
ZIP code 12037 is primarily assigned to Chatham, New York.
What county is ZIP code 12037 in?
ZIP code 12037 falls within Columbia County, New York.
Does ZIP code 12037 have a large retiree population?
38% of households in ZIP code 12037 receive Social Security income, suggesting a significant retiree or disability population.
What is the population of ZIP code 12037?
ZIP code 12037 has an estimated population of 4,083 residents, with a density of 113 people per square mile.
What is the typical home value in ZIP code 12037?
The median home value in ZIP code 12037 is $300,700.
What is the median household income in ZIP code 12037?
The median household income in ZIP code 12037 is $86,650, above the national median of ~$75,000.
What timezone is ZIP code 12037 in?
ZIP code 12037 observes the EST timezone.