12817 ZIP Code — Chestertown, NY

Warren County, New York

ZIP code 12817 is located in Chestertown, New York, within Warren County. It covers approximately 51.26 square miles and serves a population of 1,951 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12817

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 $274,100. Owner-occupancy is high at 81%, well above the national average.

Median household income is $72,813. The poverty rate of 7% is below the national average. 46% 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 28 minutes is near the national average.

Educational attainment is near the national average, with 39% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12817 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,951

population

51.26

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12817 ZIP code map

Cities in ZIP code 12817

Below are the cities the US Postal Service accepts for ZIP code 12817. Using any city not on this list may result in mail delivery delays.

City	Status
Chestertown	Preferred

Nearby ZIP codes

12886 Wevertown (5.3 mi) 12860 Pottersville (6 mi) 12853 North Creek (6.9 mi) 12885 Warrensburg (7.3 mi) 12815 Brant Lake (8.1 mi) 12808 Adirondack (8.3 mi) 12824 Diamond Point (9.6 mi) 12814 Bolton Landing (9.7 mi) 12810 Athol (11.4 mi) 12843 Johnsburg (12.1 mi) 12874 Silver Bay (14.1 mi) 12844 Kattskill Bay (14.4 mi)

Demographics updated 06/2026

Population
Total population	1,951
Population density	38 / sq mi
State FIPS	36
County FIPS	113

Geography
Land area	51.26 sq mi
Water area	2.01 sq mi
Latitude	43.6380
Longitude	-73.8222
Timezone	Eastern (ET)
Area code	518

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.9%	38.2%	37.0%
$50k – $100k	46.9%	30.7%	27.0%
$100k – $200k	25.4%	25.1%	24.4%
Over $200k	4.9%	6.0%	11.5%

Demographics & statistics

1,951

Population

People per sq mi

56.1

Median age

$72,813

Median household income

$41,474

Per capita income

$274,100

Median home value

$786

Median monthly rent

81.2%

Home ownership

6.7%

Poverty rate

9.9%

Unemployment

1,889

Housing units

39.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

100

35–44

108

45–54

106

55–59

131

60–64

127

252

65–74

246

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	207	10.6%
18 and over	1,744	89.4%
65 and over	629	32.2%
Median age	56.1 years

Race & ethnicity

White 95.4%

Asian 1.6%

Hispanic or Latino 1.2%

Two or more races 1.2%

Other race 0.7%

Group	Count	%
White	1,883	95.4%
Asian	31	1.6%
Hispanic or Latino	23	1.2%
Two or more races	23	1.2%
Other race	14	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.9%	38.2%	37.0%
$50k – $100k	46.9%	30.7%	27.0%
$100k – $200k	25.4%	25.1%	24.4%
Over $200k	4.9%	6.0%	11.5%

Under $10k 4.0%

$10k–$15k 2.5%

$15k–$25k 3.1%

$25k–$35k 5.4%

$35k–$50k 12.5%

$50k–$75k 22.8%

$75k–$100k 16.3%

$100k–$150k 21.6%

$150k–$200k 7.3%

$200k+ 4.5%

Range	% of households
Under $10k	4.0%
$10k–$15k	2.5%
$15k–$25k	3.1%
$25k–$35k	5.4%
$35k–$50k	12.5%
$50k–$75k	22.8%
$75k–$100k	16.3%
$100k–$150k	21.6%
$150k–$200k	7.3%
$200k+	4.5%
Median income	$72,813

Housing

Home values

Under $50k 1.9%

$50k–$100k 6.7%

$100k–$150k 11.5%

$150k–$200k 12.7%

$200k–$300k 24.6%

$300k–$500k 17.4%

$500k–$1M 25.3%

Housing overview

Metric	Value
Median home value	$274,100
Median rent / month	$786
Owner occupied	81.2%
Renter occupied	18.8%
Vacant	55.3%
Single-family detached	78.6%
Large apartment buildings	0.0%
Mobile homes	5.8%
Median rooms	5.0
Avg household size (owned)	2.18

Year built

Era	%
2020 or later	0.3%
2010–2019	3.7%
2000–2009	18.1%
1990–1999	4.7%
1980–1989	17.7%
1970–1979	14.2%
1960–1969	7.5%
1950–1959	7.2%
1940–1949	4.6%
1939 or earlier	21.9%

Bedrooms

Size	% of units
No bedroom (studio)	3.4%
1 bedroom	6.1%
2 bedrooms	30.4%
3 bedrooms	42.5%
4 bedrooms	10.4%
5+ bedrooms	7.3%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	24.4%
2 vehicles	51.5%
3 or more	21.3%

Heating fuel

Fuel type	%
Utility gas	9.3%
Electricity	12.1%
Propane / LP gas	35.2%
Fuel oil	25.5%
Wood	17.9%

Households & families

Household type	Count	%
Married-couple family	538	58.4%
Cohabiting couple	74	8.0%
Male householder, no spouse	225	24.4%
Female householder, no spouse	84	9.1%
Households with children under 18	109	11.8%
Households with seniors (65+)	434	47.1%
Average household size	2.11

Marital status

Status	Male	Female
Never married	21.5%	25.6%
Married	63.1%	64.7%
Separated	0.8%	1.3%
Widowed	2.7%	4.1%
Divorced	11.9%	4.4%

Education

Less than 9th grade 3.1%

Some HS, no diploma 5.8%

HS graduate 29.9%

Some college, no degree 14.3%

Associate's degree 7.7%

Bachelor's degree 20.8%

Graduate / professional 18.4%

Metric	%
HS diploma or higher	91.1%
Bachelor's or higher	39.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	21	9.2%
Elementary school	121	52.8%
High school	68	29.7%
College / grad school	19	8.3%

Employment

Industry of employment

Education & healthcare 24.0%

Construction 16.8%

Arts, food & hospitality 13.2%

Retail trade 10.6%

Manufacturing 10.4%

Finance & real estate 7.3%

Professional & management 5.7%

Transportation & utilities 3.7%

Wholesale trade 3.2%

Other services 2.2%

Information 1.5%

Public administration 1.1%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	32.6%
Service	8.3%
Sales & office	26.9%
Natural resources & construction	17.4%
Production & transportation	14.8%

Employment type

Type	%
Private sector	65.9%
Government	16.4%
Self-employed	17.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.5%
Carpool	5.0%
Public transit	0.0%
Walk	9.2%
Work from home	11.5%
Other means	2.9%
Avg commute (minutes)	28.2

Poverty

All people 6.7%

Under 18 years 13.6%

18 and over 5.8%

Married-couple families 1.5%

Female-led households 0.0%

Income support

Source	% of households
Social Security	45.5%
Retirement income	39.3%
Supplemental Security	3.9%
Cash public assistance	0.0%
Food stamps / SNAP	3.4%

Health indicators

Condition	%
Obesity	28.6%
High blood pressure	34.9%
High cholesterol	35.4%
Diabetes	9.5%
Heart disease	7.0%
Stroke	3.1%
Asthma	9.8%
Arthritis	26.7%
Kidney disease	3.1%
Pulmonary disease	7.5%
Cancer	8.3%

Behavior / access	%
Smoking	15.2%
Binge drinking	16.2%
No physical activity	22.2%
Less than 7 hrs sleep	30.0%
Depression	20.7%
Fair or poor health	11.7%
Poor mental health	12.7%
Poor physical health	9.7%
No health insurance	9.3%
Visited doctor (checkup)	79.2%
Visited dentist	67.7%
Cholesterol screening	93.1%
Teeth loss	12.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	141	8.1%

Disability	%
Any disability	16.0%
Under 18	15.0%
18–64 years	14.4%
65 and over	19.1%

Health insurance coverage

Type	%
Private insurance	75.8%
Public insurance	50.6%
No insurance	6.5%
Uninsured under 19	5.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,910	97.9%
Spanish	21	1.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	9	0.5%
Other languages	12	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,909	97.8%
Born in same state	1,909	97.8%
Born in different state	1,671	85.6%
Foreign born	0	0.0%
Naturalized citizen	42	2.2%
Not a US citizen	42	100.0%

Ancestry

Ancestry	Count	%
Italian	831	42.6%
French	228	11.7%
German	147	7.5%
Polish	63	3.2%

Ancestry	Count	%
English	50	2.6%
Arab	39	2%
Dutch	25	1.3%

Technology access

Metric	% of households
Computer access	47.2%
Internet access	90.3%

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

Frequently asked questions about ZIP code 12817

What city is ZIP code 12817 in?

ZIP code 12817 is primarily assigned to Chestertown, New York.

What county is ZIP code 12817 in?

ZIP code 12817 falls within Warren County, New York.

Does ZIP code 12817 have an older population?

32% of residents in ZIP code 12817 are 65 or older, above the national average of ~17%.

Does ZIP code 12817 have a large retiree population?

46% of households in ZIP code 12817 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 12817 mostly owner-occupied?

81% of occupied units in ZIP code 12817 are owner-occupied, well above the national average.

What is the population of ZIP code 12817?

ZIP code 12817 has an estimated population of 1,951 residents, with a density of 38 people per square mile.

What timezone is ZIP code 12817 in?

ZIP code 12817 observes the EST timezone.