12521 ZIP Code — Craryville, NY

Columbia County, New York

ZIP code 12521 is located in Craryville, New York, within Columbia County. It covers approximately 32.18 square miles and serves a population of 1,607 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12521

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 $341,900. Owner-occupancy is high at 92%, well above the national average.

The gap between median ($86,500) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 54% 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 27 minutes is near the national average.

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

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 12521 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,607

population

32.18

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12521 ZIP code map

Cities in ZIP code 12521

Below are the cities the US Postal Service accepts for ZIP code 12521. Using any city not on this list may result in mail delivery delays.

City	Status
Craryville	Acceptable
Craryville	Preferred

Nearby ZIP codes

12513 Claverack (3.5 mi) 12565 Philmont (5 mi) 12529 Hillsdale (5.5 mi) 12534 Hudson (5.7 mi) 12516 Copake (7.1 mi) 12502 Ancram (7.5 mi) 12523 Elizaville (8 mi) 12517 Copake Falls (8.2 mi) 12075 Ghent (9.2 mi) 12567 Pine Plains (10.3 mi) 12503 Ancramdale (10.6 mi) 12526 Germantown (11.4 mi)

Demographics updated 05/2026

Population
Total population	1,607
Population density	50 / sq mi
State FIPS	36
County FIPS	021

Geography
Land area	32.18 sq mi
Water area	0.28 sq mi
Latitude	42.1768
Longitude	-73.6528
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	25.6%	36.4%	37.0%
$50k – $100k	40.5%	30.8%	27.0%
$100k – $200k	22.3%	25.3%	24.4%
Over $200k	11.5%	7.4%	11.5%

Demographics & statistics

1,607

Population

People per sq mi

53.8

Median age

$86,500

Median household income

$59,751

Per capita income

$341,900

Median home value

$1,542

Median monthly rent

92.0%

Home ownership

5.0%

Poverty rate

4.3%

Unemployment

1,189

Housing units

39.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

131

45–54

140

55–59

103

60–64

110

107

65–74

116

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	198	12.3%
18 and over	1,409	87.7%
65 and over	446	27.8%
Median age	53.8 years

Race & ethnicity

White 68.8%

Hispanic or Latino 14.7%

Two or more races 10.1%

Other race 4.6%

Black or African American 1.4%

Asian 0.4%

Group	Count	%
White	1,296	68.8%
Hispanic or Latino	277	14.7%
Two or more races	190	10.1%
Other race	87	4.6%
Black or African American	26	1.4%
Asian	8	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.6%	36.4%	37.0%
$50k – $100k	40.5%	30.8%	27.0%
$100k – $200k	22.3%	25.3%	24.4%
Over $200k	11.5%	7.4%	11.5%

Under $10k 3.0%

$10k–$15k 1.0%

$15k–$25k 6.5%

$35k–$50k 13.2%

$50k–$75k 21.9%

$75k–$100k 9.8%

$100k–$150k 16.5%

$150k–$200k 12.3%

$200k+ 15.8%

Range	% of households
Under $10k	3.0%
$10k–$15k	1.0%
$15k–$25k	6.5%
$35k–$50k	13.2%
$50k–$75k	21.9%
$75k–$100k	9.8%
$100k–$150k	16.5%
$150k–$200k	12.3%
$200k+	15.8%
Median income	$86,500

Housing

Home values

Under $50k 3.5%

$50k–$100k 3.0%

$100k–$150k 1.8%

$150k–$200k 8.4%

$200k–$300k 27.4%

$300k–$500k 18.7%

$500k–$1M 22.0%

$1M+ 15.2%

Housing overview

Metric	Value
Median home value	$341,900
Median rent / month	$1,542
Owner occupied	92.0%
Renter occupied	8.0%
Vacant	42.1%
Single-family detached	89.7%
Large apartment buildings	1.1%
Mobile homes	8.0%
Median rooms	5.9
Avg household size (owned)	2.19

Year built

Era	%
2020 or later	2.1%
2010–2019	2.9%
2000–2009	13.7%
1990–1999	6.3%
1980–1989	11.0%
1970–1979	10.5%
1960–1969	13.6%
1950–1959	10.1%
1940–1949	4.3%
1939 or earlier	25.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	4.3%
2 bedrooms	33.1%
3 bedrooms	44.5%
4 bedrooms	13.0%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	32.8%
2 vehicles	37.3%
3 or more	28.9%

Heating fuel

Fuel type	%
Utility gas	4.3%
Electricity	9.8%
Propane / LP gas	20.9%
Fuel oil	60.1%
Wood	3.9%

Households & families

Household type	Count	%
Married-couple family	355	49.2%
Cohabiting couple	116	16.1%
Male householder, no spouse	51	7.1%
Female householder, no spouse	200	27.7%
Households with children under 18	117	16.2%
Households with seniors (65+)	300	41.6%
Average household size	2.21

Marital status

Status	Male	Female
Never married	26.8%	15.2%
Married	59.7%	49.5%
Separated	0.0%	1.7%
Widowed	0.0%	16.2%
Divorced	13.4%	17.3%

Education

Less than 9th grade 2.3%

Some HS, no diploma 2.8%

HS graduate 36.9%

Some college, no degree 6.3%

Associate's degree 12.2%

Bachelor's degree 15.9%

Graduate / professional 23.5%

Metric	%
HS diploma or higher	94.9%
Bachelor's or higher	39.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	4	1.6%
Kindergarten	0	0.0%
Elementary school	135	55.3%
High school	50	20.5%
College / grad school	55	22.5%

Employment

Industry of employment

Education & healthcare 31.1%

Public administration 12.0%

Other services 9.9%

Professional & management 8.6%

Manufacturing 7.6%

Transportation & utilities 6.0%

Wholesale trade 4.6%

Retail trade 4.3%

Finance & real estate 4.2%

Arts, food & hospitality 3.5%

Construction 3.2%

Agriculture & mining 2.6%

Information 2.5%

Occupation

Category	%
Management, business & arts	55.7%
Service	10.2%
Sales & office	12.5%
Natural resources & construction	7.5%
Production & transportation	14.1%

Employment type

Type	%
Private sector	65.1%
Government	21.6%
Self-employed	13.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	66.4%
Carpool	7.5%
Public transit	0.2%
Walk	6.5%
Work from home	17.9%
Other means	1.5%
Avg commute (minutes)	26.6

Poverty

All people 5.0%

Under 18 years 0.0%

18 and over 5.7%

Married-couple families 3.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	54.3%
Retirement income	33.1%
Supplemental Security	7.5%
Cash public assistance	1.2%
Food stamps / SNAP	10.8%

Health indicators

Condition	%
Obesity	31.1%
High blood pressure	31.7%
High cholesterol	33.8%
Diabetes	10.0%
Heart disease	6.8%
Stroke	3.1%
Asthma	10.0%
Arthritis	25.0%
Kidney disease	3.0%
Pulmonary disease	7.4%
Cancer	7.5%

Behavior / access	%
Smoking	16.9%
Binge drinking	16.4%
No physical activity	21.9%
Less than 7 hrs sleep	31.9%
Depression	21.5%
Fair or poor health	12.3%
Poor mental health	13.6%
Poor physical health	10.1%
No health insurance	10.0%
Visited doctor (checkup)	77.9%
Visited dentist	65.2%
Cholesterol screening	91.9%
Teeth loss	12.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	163	11.6%

Disability	%
Any disability	17.7%
Under 18	0.0%
18–64 years	14.5%
65 and over	32.3%

Health insurance coverage

Type	%
Private insurance	62.1%
Public insurance	45.5%
No insurance	4.9%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,596	99.3%
Spanish	34	2.1%
Other Indo-European	18	1.1%
Asian & Pacific Islander	14	0.9%
Other languages	2	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,477	91.9%
Born in same state	1,463	91.0%
Born in different state	1,253	78.0%
Foreign born	14	0.9%
Naturalized citizen	130	8.1%
Not a US citizen	73	56.2%

Ancestry

Ancestry	Count	%
Italian	219	13.6%
French	177	11%
Arab	53	3.3%
English	25	1.6%

Ancestry	Count	%
Dutch	17	1.1%
Irish	9	0.6%
German	6	0.4%
Polish	6	0.4%

Technology access

Metric	% of households
Computer access	44.9%
Internet access	91.8%

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

Frequently asked questions about ZIP code 12521

What city is ZIP code 12521 in?

ZIP code 12521 is primarily assigned to Craryville, New York.

What county is ZIP code 12521 in?

ZIP code 12521 falls within Columbia County, New York.

Does ZIP code 12521 have a large retiree population?

54% of households in ZIP code 12521 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 12521 have an older population?

28% of residents in ZIP code 12521 are 65 or older, above the national average of ~17%.

Is ZIP code 12521 mostly owner-occupied?

92% of occupied units in ZIP code 12521 are owner-occupied, well above the national average.

Does ZIP code 12521 have a large veteran population?

12% of civilians in ZIP code 12521 are veterans, above the national average of ~7%.

What timezone is ZIP code 12521 in?

ZIP code 12521 observes the EST timezone.