12726 ZIP Code — Cochecton, NY

Sullivan County, New York

ZIP code 12726 is located in Cochecton, New York, within Sullivan County. It covers approximately 33.00 square miles and serves a population of 1,357 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12726

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 $303,200. Owner-occupancy is high at 87%, well above the national average.

Median household income is $70,798. Poverty affects 22% of residents, above the national average. 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 33 minutes is near the national average.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12726 reflects a community defined by economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

1,357

population

33.00

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12726 ZIP code map

Cities in ZIP code 12726

Below are the cities the US Postal Service accepts for ZIP code 12726. Using any city not on this list may result in mail delivery delays.

City	Status
Cochecton	Preferred

Nearby ZIP codes

12752 Lake Huntington (0.8 mi) 12750 Kenoza Lake (2.2 mi) 12727 Cochecton (3 mi) 12720 Bethel (4.3 mi) 12723 Callicoon (6.4 mi) 12745 Hortonville (6.5 mi) 12786 White Lake (6.5 mi) 12748 Jeffersonville (6.6 mi) 12764 Narrowsburg (6.9 mi) 18443 Milanville (7.2 mi) 12783 Swan Lake (7.5 mi) 12766 North Branch (8.3 mi)

Demographics updated 05/2026

Population
Total population	1,357
Population density	41 / sq mi
State FIPS	36
County FIPS	105

Geography
Land area	33.00 sq mi
Water area	0.81 sq mi
Latitude	41.6945
Longitude	-74.9744
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.4%	43.2%	37.0%
$50k – $100k	34.3%	29.3%	27.0%
$100k – $200k	27.9%	22.4%	24.4%
Over $200k	7.4%	5.2%	11.5%

Demographics & statistics

1,357

Population

People per sq mi

52.6

Median age

$70,798

Median household income

$35,938

Per capita income

$303,200

Median home value

$1,280

Median monthly rent

87.4%

Home ownership

21.7%

Poverty rate

5.2%

Unemployment

817

Housing units

34.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

122

25–34

35–44

45–54

55–59

60–64

167

65–74

124

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	290	21.4%
18 and over	1,067	78.6%
65 and over	454	33.5%
Median age	52.6 years

Race & ethnicity

White 92.6%

Two or more races 2.9%

Hispanic or Latino 2.2%

Other race 1.6%

Black or African American 0.6%

Asian 0.1%

Group	Count	%
White	1,285	92.6%
Two or more races	40	2.9%
Hispanic or Latino	30	2.2%
Other race	22	1.6%
Black or African American	8	0.6%
Asian	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.4%	43.2%	37.0%
$50k – $100k	34.3%	29.3%	27.0%
$100k – $200k	27.9%	22.4%	24.4%
Over $200k	7.4%	5.2%	11.5%

Under $10k 14.3%

$15k–$25k 5.4%

$25k–$35k 5.9%

$35k–$50k 11.9%

$50k–$75k 24.5%

$75k–$100k 10.6%

$100k–$150k 13.1%

$150k–$200k 7.7%

$200k+ 6.6%

Range	% of households
Under $10k	14.3%
$15k–$25k	5.4%
$25k–$35k	5.9%
$35k–$50k	11.9%
$50k–$75k	24.5%
$75k–$100k	10.6%
$100k–$150k	13.1%
$150k–$200k	7.7%
$200k+	6.6%
Median income	$70,798

Housing

Home values

Under $50k 3.5%

$50k–$100k 3.7%

$100k–$150k 10.4%

$150k–$200k 9.0%

$200k–$300k 22.3%

$300k–$500k 42.3%

$500k–$1M 7.5%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$303,200
Median rent / month	$1,280
Owner occupied	87.4%
Renter occupied	12.6%
Vacant	33.3%
Single-family detached	87.1%
Large apartment buildings	0.0%
Mobile homes	9.0%
Median rooms	6.6
Avg household size (owned)	2.02

Year built

Era	%
2020 or later	0.0%
2010–2019	1.8%
2000–2009	10.5%
1990–1999	9.2%
1980–1989	9.3%
1970–1979	12.6%
1960–1969	18.8%
1950–1959	8.0%
1940–1949	2.4%
1939 or earlier	27.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.6%
1 bedroom	8.9%
2 bedrooms	20.2%
3 bedrooms	40.4%
4 bedrooms	20.2%
5+ bedrooms	7.8%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	37.6%
2 vehicles	42.4%
3 or more	20.0%

Heating fuel

Fuel type	%
Utility gas	3.5%
Electricity	5.5%
Propane / LP gas	9.7%
Fuel oil	70.1%
Wood	10.3%

Households & families

Household type	Count	%
Married-couple family	285	47.9%
Cohabiting couple	47	7.9%
Male householder, no spouse	176	29.6%
Female householder, no spouse	87	14.6%
Households with children under 18	129	21.7%
Households with seniors (65+)	339	57.0%
Average household size	2.27

Marital status

Status	Male	Female
Never married	17.6%	22.5%
Married	49.8%	59.3%
Separated	2.8%	0.0%
Widowed	7.9%	10.0%
Divorced	21.9%	8.2%

Education

Less than 9th grade 1.7%

Some HS, no diploma 4.8%

HS graduate 25.7%

Some college, no degree 26.0%

Associate's degree 7.8%

Bachelor's degree 21.7%

Graduate / professional 12.2%

Metric	%
HS diploma or higher	93.5%
Bachelor's or higher	34.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	45	20.2%
Kindergarten	16	7.2%
Elementary school	82	36.8%
High school	42	18.8%
College / grad school	38	17.0%

Employment

Industry of employment

Education & healthcare 33.6%

Retail trade 19.7%

Arts, food & hospitality 9.0%

Transportation & utilities 7.1%

Public administration 5.9%

Information 5.2%

Manufacturing 4.8%

Professional & management 4.8%

Finance & real estate 3.6%

Other services 2.9%

Agriculture & mining 1.7%

Construction 1.7%

Occupation

Category	%
Management, business & arts	38.1%
Service	25.5%
Sales & office	5.5%
Natural resources & construction	20.9%
Production & transportation	10.0%

Employment type

Type	%
Private sector	78.8%
Government	14.3%
Self-employed	6.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.3%
Carpool	9.2%
Public transit	0.2%
Walk	1.4%
Work from home	9.9%
Other means	0.0%
Avg commute (minutes)	33.0

Poverty

All people 21.7%

Under 18 years 45.2%

18 and over 15.3%

Married-couple families 13.3%

Female-led households 0.0%

Income support

Source	% of households
Social Security	42.9%
Retirement income	25.2%
Supplemental Security	1.7%
Cash public assistance	0.0%
Food stamps / SNAP	4.4%

Health indicators

Condition	%
Obesity	30.9%
High blood pressure	32.7%
High cholesterol	33.3%
Diabetes	9.6%
Heart disease	6.9%
Stroke	3.1%
Asthma	9.8%
Arthritis	26.1%
Kidney disease	3.0%
Pulmonary disease	6.9%
Cancer	7.7%

Behavior / access	%
Smoking	16.1%
Binge drinking	17.2%
No physical activity	22.8%
Less than 7 hrs sleep	33.4%
Depression	20.6%
Fair or poor health	11.8%
Poor mental health	13.2%
Poor physical health	9.7%
No health insurance	9.6%
Visited doctor (checkup)	77.2%
Visited dentist	67.2%
Cholesterol screening	92.2%
Teeth loss	12.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	98	9.2%

Disability	%
Any disability	11.9%
Under 18	0.0%
18–64 years	10.4%
65 and over	21.6%

Health insurance coverage

Type	%
Private insurance	76.6%
Public insurance	57.2%
No insurance	1.7%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,228	90.5%
Spanish	12	1.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	12	1.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,295	95.4%
Born in same state	1,274	93.9%
Born in different state	927	68.3%
Foreign born	21	1.5%
Naturalized citizen	62	4.6%
Not a US citizen	42	67.7%

Ancestry

Ancestry	Count	%
Italian	228	16.8%
French	176	13%
Arab	42	3.1%
Irish	26	1.9%

Ancestry	Count	%
English	13	1%
Polish	4	0.3%
German	3	0.2%

Technology access

Metric	% of households
Computer access	43.8%
Internet access	89.9%

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

Frequently asked questions about ZIP code 12726

What city is ZIP code 12726 in?

ZIP code 12726 is primarily assigned to Cochecton, New York.

What county is ZIP code 12726 in?

ZIP code 12726 falls within Sullivan County, New York.

Does ZIP code 12726 have an older population?

34% of residents in ZIP code 12726 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 12726?

22% of residents in ZIP code 12726 live below the poverty line, above the national average.

Is ZIP code 12726 mostly owner-occupied?

87% of occupied units in ZIP code 12726 are owner-occupied, well above the national average.

Does ZIP code 12726 have a large retiree population?

43% of households in ZIP code 12726 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 12726 in?

ZIP code 12726 observes the EST timezone.