12732 ZIP Code — Eldred, NY

Sullivan County, New York

ZIP code 12732 is located in Eldred, New York, within Sullivan County. It covers approximately 26.57 square miles and serves a population of 830 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12732

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $228,100. Owner-occupancy is high at 95%, well above the national average.

The gap between median ($45,909) 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. 52% 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. An above-average commute of 52 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Notable community characteristics include disability rates above the national average at 34%.

Overall, ZIP code 12732 reflects a community defined by high homeownership and a significant Social Security-dependent population.

830

population

26.57

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12732 ZIP code map

Cities in ZIP code 12732

Below are the cities the US Postal Service accepts for ZIP code 12732. Using any city not on this list may result in mail delivery delays.

City	Status
Eldred	Preferred

Nearby ZIP codes

12743 Highland Lake (2.5 mi) 12792 Yulan (2.7 mi) 12737 Glen Spey (4.5 mi) 12719 Barryville (5 mi) 12764 Narrowsburg (5.5 mi) 12770 Pond Eddy (6.7 mi) 12720 Bethel (7.6 mi) 12786 White Lake (7.7 mi) 12727 Cochecton (7.9 mi) 18435 Lackawaxen (9.2 mi) 12777 Forestburgh (9.3 mi) 18458 Shohola (9.6 mi)

Demographics updated 05/2026

Population
Total population	830
Population density	31 / sq mi
State FIPS	36
County FIPS	105

Geography
Land area	26.57 sq mi
Water area	0.73 sq mi
Latitude	41.5528
Longitude	-74.8828
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	67.3%	43.2%	37.0%
$50k – $100k	17.1%	29.3%	27.0%
$100k – $200k	13.7%	22.4%	24.4%
Over $200k	2.0%	5.2%	11.5%

Demographics & statistics

830

Population

People per sq mi

60.8

Median age

$45,909

Median household income

$46,381

Per capita income

$228,100

Median home value

$1,063

Median monthly rent

95.0%

Home ownership

5.2%

Poverty rate

12.1%

Unemployment

652

Housing units

23.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	80	9.6%
18 and over	750	90.4%
65 and over	275	33.1%
Median age	60.8 years

Race & ethnicity

White 78.2%

Hispanic or Latino 10%

Two or more races 9.7%

Other race 1.8%

Asian 0.3%

Group	Count	%
White	721	78.2%
Hispanic or Latino	92	10%
Two or more races	89	9.7%
Other race	17	1.8%
Asian	3	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	67.3%	43.2%	37.0%
$50k – $100k	17.1%	29.3%	27.0%
$100k – $200k	13.7%	22.4%	24.4%
Over $200k	2.0%	5.2%	11.5%

Under $10k 7.8%

$10k–$15k 1.5%

$15k–$25k 9.3%

$25k–$35k 29.7%

$35k–$50k 5.6%

$50k–$75k 19.5%

$75k–$100k 5.4%

$100k–$150k 7.8%

$150k–$200k 4.1%

$200k+ 9.3%

Range	% of households
Under $10k	7.8%
$10k–$15k	1.5%
$15k–$25k	9.3%
$25k–$35k	29.7%
$35k–$50k	5.6%
$50k–$75k	19.5%
$75k–$100k	5.4%
$100k–$150k	7.8%
$150k–$200k	4.1%
$200k+	9.3%
Median income	$45,909

Housing

Home values

$50k–$100k 5.7%

$100k–$150k 6.8%

$150k–$200k 15.9%

$200k–$300k 49.2%

$300k–$500k 8.7%

$500k–$1M 8.2%

$1M+ 5.5%

Housing overview

Metric	Value
Median home value	$228,100
Median rent / month	$1,063
Owner occupied	95.0%
Renter occupied	5.0%
Vacant	31.6%
Single-family detached	89.8%
Large apartment buildings	0.0%
Mobile homes	8.3%
Median rooms	5.5
Avg household size (owned)	1.82

Year built

Era	%
2020 or later	0.0%
2010–2019	0.9%
2000–2009	16.4%
1990–1999	3.3%
1980–1989	9.3%
1970–1979	13.9%
1960–1969	24.7%
1950–1959	16.1%
1940–1949	3.0%
1939 or earlier	12.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	19.0%
2 bedrooms	24.1%
3 bedrooms	36.6%
4 bedrooms	19.0%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	56.3%
2 vehicles	28.4%
3 or more	12.6%

Heating fuel

Fuel type	%
Utility gas	0.2%
Electricity	5.0%
Propane / LP gas	18.2%
Fuel oil	68.8%
Wood	5.8%

Households & families

Household type	Count	%
Married-couple family	271	58.7%
Cohabiting couple	17	3.7%
Male householder, no spouse	53	11.5%
Female householder, no spouse	121	26.2%
Households with children under 18	52	11.3%
Households with seniors (65+)	239	51.7%
Average household size	1.80

Marital status

Status	Male	Female
Never married	16.9%	14.4%
Married	77.3%	57.2%
Separated	0.9%	1.2%
Widowed	3.8%	18.3%
Divorced	1.2%	8.8%

Education

Less than 9th grade 0.0%

Some HS, no diploma 2.8%

HS graduate 45.5%

Some college, no degree 15.3%

Associate's degree 13.3%

Bachelor's degree 9.0%

Graduate / professional 14.0%

Metric	%
HS diploma or higher	97.2%
Bachelor's or higher	23.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	58	92.1%
High school	3	4.8%
College / grad school	2	3.2%

Employment

Industry of employment

Education & healthcare 29.4%

Arts, food & hospitality 22.4%

Professional & management 15.3%

Retail trade 11.5%

Finance & real estate 8.5%

Construction 6.5%

Transportation & utilities 3.8%

Information 2.1%

Public administration 0.6%

Occupation

Category	%
Management, business & arts	42.9%
Service	22.9%
Sales & office	8.8%
Natural resources & construction	8.2%
Production & transportation	17.1%

Employment type

Type	%
Private sector	55.6%
Government	19.1%
Self-employed	25.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.9%
Carpool	13.0%
Public transit	4.2%
Walk	2.6%
Work from home	2.3%
Other means	0.0%
Avg commute (minutes)	51.8

Poverty

All people 5.2%

Under 18 years 0.0%

18 and over 5.7%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	51.7%
Retirement income	15.4%
Supplemental Security	3.5%
Cash public assistance	0.0%
Food stamps / SNAP	8.7%

Health indicators

Condition	%
Obesity	31.4%
High blood pressure	35.9%
High cholesterol	35.5%
Diabetes	10.9%
Heart disease	8.3%
Stroke	3.8%
Asthma	10.2%
Arthritis	29.2%
Kidney disease	3.6%
Pulmonary disease	8.7%
Cancer	8.5%

Behavior / access	%
Smoking	18.2%
Binge drinking	15.4%
No physical activity	26.5%
Less than 7 hrs sleep	33.7%
Depression	21.1%
Fair or poor health	14.8%
Poor mental health	13.6%
Poor physical health	11.3%
No health insurance	11.2%
Visited doctor (checkup)	78.0%
Visited dentist	63.2%
Cholesterol screening	92.2%
Teeth loss	15.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	31	4.1%

Disability	%
Any disability	34.0%
Under 18	3.8%
18–64 years	28.4%
65 and over	52.4%

Health insurance coverage

Type	%
Private insurance	70.5%
Public insurance	48.9%
No insurance	0.6%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	811	97.7%
Spanish	4	0.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	4	0.5%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	635	76.5%
Born in same state	586	70.6%
Born in different state	435	52.4%
Foreign born	49	5.9%
Naturalized citizen	195	23.5%
Not a US citizen	186	95.4%

Ancestry

Ancestry	Count	%
Italian	209	25.2%
French	62	7.5%
English	26	3.1%

Ancestry	Count	%
Dutch	24	2.9%
Arab	6	0.7%
German	5	0.6%

Technology access

Metric	% of households
Computer access	55.7%
Internet access	97.4%

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

Frequently asked questions about ZIP code 12732

What city is ZIP code 12732 in?

ZIP code 12732 is primarily assigned to Eldred, New York.

What county is ZIP code 12732 in?

ZIP code 12732 falls within Sullivan County, New York.

Does ZIP code 12732 have an older population?

33% of residents in ZIP code 12732 are 65 or older, above the national average of ~17%.

Is ZIP code 12732 mostly owner-occupied?

95% of occupied units in ZIP code 12732 are owner-occupied, well above the national average.

Does ZIP code 12732 have a large retiree population?

52% of households in ZIP code 12732 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 12732?

The median household income in ZIP code 12732 is $45,909, below the national median of ~$75,000.

What timezone is ZIP code 12732 in?

ZIP code 12732 observes the EST timezone.