12043 ZIP Code — Cobleskill, NY
Schoharie County, New York
ZIP code 12043 is located in Cobleskill, New York, within Schoharie County. It covers approximately 63.60 square miles and serves a population of 7,719 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.
About ZIP code 12043
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 $163,200. Owner-occupancy sits near the national average at 67%.
Median household income is $75,276. 45% 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 29 minutes is near the national average.
Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.
7,719
population
63.60
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12043 ZIP code map
Cities in ZIP code 12043
Below are the cities the US Postal Service accepts for ZIP code 12043. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Cobleskill | Acceptable |
| Cobleskill | Preferred |
Nearby ZIP codes
12031 Carlisle (5 mi)
13459 Sharon Springs (5.4 mi)
12149 Richmondville (5.8 mi)
12035 Central Bridge (7.5 mi)
12092 Howes Cave (7.6 mi)
12187 Warnerville (7.6 mi)
12160 Sloansville (9.2 mi)
12064 East Worcester (9.4 mi)
12166 Sprakers (9.8 mi)
12175 Summit (10.9 mi)
13317 Canajoharie (11.1 mi)
13488 Westford (11.2 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 7,719 |
| Population density | 121 / sq mi |
| State FIPS | 36 |
| County FIPS | 095 |
| Geography | |
|---|---|
| Land area | 63.60 sq mi |
| Water area | 0.25 sq mi |
| Latitude | 42.7019 |
| Longitude | -74.5277 |
| 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 | 46.3% | 44.9% | 37.0% |
| $50k – $100k | 26.1% | 31.1% | 27.0% |
| $100k – $200k | 21.1% | 19.4% | 24.4% |
| Over $200k | 6.5% | 4.6% | 11.5% |
Demographics & statistics
7,719
Population
121
People per sq mi
37.6
Median age
$75,276
Median household income
$34,583
Per capita income
$163,200
Median home value
$847
Median monthly rent
67.3%
Home ownership
12.6%
Poverty rate
6.1%
Unemployment
2,311
Housing units
31.2%
Bachelor's or higher
Age distribution
Male
Female
121
Under 5
134
184
5–9
202
144
10–14
159
493
15–19
543
403
20–24
445
367
25–34
405
358
35–44
395
335
45–54
370
212
55–59
233
246
60–64
272
449
65–74
494
242
75–84
267
117
85+
129
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 1,190 | 15.4% |
| 18 and over | 6,529 | 84.6% |
| 65 and over | 1,698 | 22.0% |
| Median age | 37.6 years | |
Race & ethnicity
White
82.7%
Hispanic or Latino
5.7%
Two or more races
3.7%
Other race
3.5%
Black or African American
2.6%
Asian
1.8%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 6,770 | 82.7% |
| Hispanic or Latino | 463 | 5.7% |
| Two or more races | 302 | 3.7% |
| Other race | 284 | 3.5% |
| Black or African American | 209 | 2.6% |
| Asian | 144 | 1.8% |
| American Indian / Alaska Native | 6 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 46.3% | 44.9% | 37.0% |
| $50k – $100k | 26.1% | 31.1% | 27.0% |
| $100k – $200k | 21.1% | 19.4% | 24.4% |
| Over $200k | 6.5% | 4.6% | 11.5% |
Under $10k
1.5%
$10k–$15k
5.1%
$15k–$25k
8.1%
$25k–$35k
7.2%
$35k–$50k
13.9%
$50k–$75k
14.0%
$75k–$100k
18.1%
$100k–$150k
16.9%
$150k–$200k
8.1%
$200k+
7.2%
| Range | % of households |
|---|---|
| Under $10k | 1.5% |
| $10k–$15k | 5.1% |
| $15k–$25k | 8.1% |
| $25k–$35k | 7.2% |
| $35k–$50k | 13.9% |
| $50k–$75k | 14.0% |
| $75k–$100k | 18.1% |
| $100k–$150k | 16.9% |
| $150k–$200k | 8.1% |
| $200k+ | 7.2% |
| Median income | $75,276 |
Housing
Home values
Under $50k
6.9%
$50k–$100k
14.8%
$100k–$150k
18.3%
$150k–$200k
29.7%
$200k–$300k
23.2%
$300k–$500k
5.9%
$500k–$1M
0.7%
$1M+
0.5%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $163,200 |
| Median rent / month | $847 |
| Owner occupied | 67.3% |
| Renter occupied | 32.7% |
| Vacant | 13.5% |
| Single-family detached | 63.5% |
| Large apartment buildings | 2.3% |
| Mobile homes | 8.1% |
| Median rooms | 5.8 |
| Avg household size (owned) | 2.54 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 3.7% |
| 2000–2009 | 6.1% |
| 1990–1999 | 10.7% |
| 1980–1989 | 14.7% |
| 1970–1979 | 16.2% |
| 1960–1969 | 7.8% |
| 1950–1959 | 6.3% |
| 1940–1949 | 4.7% |
| 1939 or earlier | 29.7% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 3.4% |
| 1 bedroom | 9.3% |
| 2 bedrooms | 24.5% |
| 3 bedrooms | 39.0% |
| 4 bedrooms | 18.6% |
| 5+ bedrooms | 5.1% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 8.7% |
| 1 vehicle | 37.2% |
| 2 vehicles | 33.3% |
| 3 or more | 20.8% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 19.2% |
| Electricity | 24.1% |
| Propane / LP gas | 12.2% |
| Fuel oil | 34.2% |
| Wood | 8.2% |
| Solar | 0.2% |
| No fuel used | 0.1% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 1,439 | 51.6% |
| Cohabiting couple | 213 | 7.6% |
| Male householder, no spouse | 460 | 16.5% |
| Female householder, no spouse | 677 | 24.3% |
| Households with children under 18 | 730 | 26.2% |
| Households with seniors (65+) | 1,158 | 41.5% |
| Average household size | 2.35 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 37.7% | 38.9% |
| Married | 50.9% | 42.9% |
| Separated | 1.0% | 0.8% |
| Widowed | 2.2% | 8.0% |
| Divorced | 8.1% | 9.3% |
Education
Less than 9th grade
2.0%
Some HS, no diploma
5.3%
HS graduate
30.0%
Some college, no degree
18.6%
Associate's degree
12.8%
Bachelor's degree
19.0%
Graduate / professional
12.2%
| Metric | % |
|---|---|
| HS diploma or higher | 92.7% |
| Bachelor's or higher | 31.2% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 70 | 2.9% |
| Kindergarten | 36 | 1.5% |
| Elementary school | 592 | 24.6% |
| High school | 258 | 10.7% |
| College / grad school | 1,446 | 60.2% |
Employment
Industry of employment
Education & healthcare
31.3%
Retail trade
10.7%
Arts, food & hospitality
10.5%
Professional & management
8.9%
Construction
6.9%
Public administration
6.1%
Manufacturing
5.4%
Transportation & utilities
4.6%
Finance & real estate
4.3%
Other services
3.3%
Agriculture & mining
3.0%
Information
2.8%
Wholesale trade
2.3%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 42.8% |
| Service | 18.2% |
| Sales & office | 21.3% |
| Natural resources & construction | 8.5% |
| Production & transportation | 9.1% |
Employment type
| Type | % |
|---|---|
| Private sector | 72.1% |
| Government | 20.6% |
| Self-employed | 7.3% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 66.2% |
| Carpool | 13.0% |
| Public transit | 0.5% |
| Walk | 9.7% |
| Work from home | 10.0% |
| Other means | 0.5% |
| Avg commute (minutes) | 28.5 |
Poverty
All people
12.6%
Under 18 years
17.6%
18 and over
11.6%
Married-couple families
1.8%
Female-led households
26.1%
Income support
| Source | % of households |
|---|---|
| Social Security | 44.5% |
| Retirement income | 36.2% |
| Supplemental Security | 6.8% |
| Cash public assistance | 5.0% |
| Food stamps / SNAP | 10.4% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 31.9% |
| High blood pressure | 27.4% |
| High cholesterol | 26.6% |
| Diabetes | 7.9% |
| Heart disease | 5.7% |
| Stroke | 2.6% |
| Asthma | 10.6% |
| Arthritis | 21.8% |
| Kidney disease | 2.6% |
| Pulmonary disease | 6.4% |
| Cancer | 6.0% |
| Behavior / access | % |
|---|---|
| Smoking | 15.5% |
| Binge drinking | 18.6% |
| No physical activity | 23.7% |
| Less than 7 hrs sleep | 32.5% |
| Depression | 22.0% |
| Fair or poor health | 11.6% |
| Poor mental health | 15.9% |
| Poor physical health | 9.3% |
| No health insurance | 10.8% |
| Visited doctor (checkup) | 77.3% |
| Visited dentist | 64.9% |
| Cholesterol screening | 86.8% |
| Teeth loss | 14.4% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 428 | 6.6% |
| Disability | % |
|---|---|
| Any disability | 19.5% |
| Under 18 | 5.8% |
| 18–64 years | 15.2% |
| 65 and over | 41.4% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 75.2% |
| Public insurance | 40.9% |
| No insurance | 3.8% |
| Uninsured under 19 | 2.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 7,464 | 96.7% |
| Spanish | 134 | 1.8% |
| Other Indo-European | 27 | 0.4% |
| Asian & Pacific Islander | 94 | 1.3% |
| Other languages | 0 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 7,468 | 96.7% |
| Born in same state | 7,400 | 95.9% |
| Born in different state | 6,443 | 83.5% |
| Foreign born | 68 | 0.9% |
| Naturalized citizen | 251 | 3.3% |
| Not a US citizen | 148 | 59.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 1,147 | 14.9% |
| French | 1,140 | 14.8% |
| Arab | 293 | 3.8% |
| English | 232 | 3% |
| Ancestry | Count | % |
|---|---|---|
| German | 134 | 1.7% |
| Dutch | 74 | 1% |
| Irish | 27 | 0.3% |
| Polish | 27 | 0.3% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 36.1% |
| Internet access | 90.0% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 12043
What city is ZIP code 12043 in?
ZIP code 12043 is primarily assigned to Cobleskill, New York.
What county is ZIP code 12043 in?
ZIP code 12043 falls within Schoharie County, New York.
Does ZIP code 12043 have a large retiree population?
45% of households in ZIP code 12043 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 12043?
The median home value in ZIP code 12043 is $163,200.
What is the population of ZIP code 12043?
ZIP code 12043 has an estimated population of 7,719 residents, with a density of 121 people per square mile.
What is the median household income in ZIP code 12043?
The median household income in ZIP code 12043 is $75,276, above the national median of ~$75,000.
What timezone is ZIP code 12043 in?
ZIP code 12043 observes the EST timezone.