12827 ZIP Code — Fort Ann, NY

Washington County, New York

ZIP code 12827 is located in Fort Ann, New York, within Washington County. It covers approximately 122.84 square miles and serves a population of 3,673 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12827

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $190,400. Owner-occupancy is high at 84%, well above the national average.

Median household income is $80,705. The poverty rate of 4% is below the national average. 39% 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 24 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

Overall, ZIP code 12827 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,673

population

122.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12827 ZIP code map

Cities in ZIP code 12827

Below are the cities the US Postal Service accepts for ZIP code 12827. Using any city not on this list may result in mail delivery delays.

City	Status
Fort Ann	Acceptable
Fort Ann	Preferred

Nearby ZIP codes

12821 Comstock (4.6 mi) 12844 Kattskill Bay (6.9 mi) 12839 Hudson Falls (7.4 mi) 12854 North Granville (8.6 mi) 12838 Hartford (8.8 mi) 12849 Middle Granville (9.9 mi) 12804 Queensbury (10.3 mi) 12832 Granville (10.3 mi) 12845 Lake George (10.6 mi) 12887 Whitehall (10.7 mi) 12819 Clemons (10.9 mi) 12824 Diamond Point (11.5 mi)

Demographics updated 05/2026

Population
Total population	3,673
Population density	30 / sq mi
State FIPS	36
County FIPS	115

Geography
Land area	122.84 sq mi
Water area	1.78 sq mi
Latitude	43.4442
Longitude	-73.4977
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	32.7%	40.6%	37.0%
$50k – $100k	37.5%	35.4%	27.0%
$100k – $200k	26.1%	21.1%	24.4%
Over $200k	3.7%	2.9%	11.5%

Demographics & statistics

3,673

Population

People per sq mi

41.7

Median age

$80,705

Median household income

$36,640

Per capita income

$190,400

Median home value

$972

Median monthly rent

83.9%

Home ownership

4.3%

Poverty rate

3.8%

Unemployment

1,467

Housing units

18.7%

Bachelor's or higher

Age distribution

Male Female

185

Under 5

144

5–9

10–14

139

15–19

108

106

20–24

205

25–34

160

365

35–44

284

244

45–54

189

121

55–59

108

60–64

245

65–74

190

138

75–84

108

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	776	21.1%
18 and over	2,897	78.9%
65 and over	768	20.9%
Median age	41.7 years

Race & ethnicity

White 91.3%

Two or more races 2.9%

Hispanic or Latino 2.8%

Other race 1.4%

Black or African American 0.7%

Native Hawaiian / Pacific Islander 0.6%

Asian 0.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	3,449	91.3%
Two or more races	108	2.9%
Hispanic or Latino	106	2.8%
Other race	52	1.4%
Black or African American	26	0.7%
Native Hawaiian / Pacific Islander	23	0.6%
Asian	8	0.2%
American Indian / Alaska Native	7	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.7%	40.6%	37.0%
$50k – $100k	37.5%	35.4%	27.0%
$100k – $200k	26.1%	21.1%	24.4%
Over $200k	3.7%	2.9%	11.5%

Under $10k 2.1%

$10k–$15k 1.8%

$15k–$25k 9.2%

$25k–$35k 11.3%

$35k–$50k 5.0%

$50k–$75k 14.0%

$75k–$100k 20.2%

$100k–$150k 22.9%

$150k–$200k 6.6%

$200k+ 6.9%

Range	% of households
Under $10k	2.1%
$10k–$15k	1.8%
$15k–$25k	9.2%
$25k–$35k	11.3%
$35k–$50k	5.0%
$50k–$75k	14.0%
$75k–$100k	20.2%
$100k–$150k	22.9%
$150k–$200k	6.6%
$200k+	6.9%
Median income	$80,705

Housing

Home values

Under $50k 1.6%

$50k–$100k 8.4%

$100k–$150k 24.0%

$150k–$200k 21.6%

$200k–$300k 27.3%

$300k–$500k 15.1%

$500k–$1M 2.0%

Housing overview

Metric	Value
Median home value	$190,400
Median rent / month	$972
Owner occupied	83.9%
Renter occupied	16.1%
Vacant	14.1%
Single-family detached	86.5%
Large apartment buildings	0.0%
Mobile homes	6.3%
Median rooms	5.5
Avg household size (owned)	2.57

Year built

Era	%
2020 or later	0.2%
2010–2019	8.7%
2000–2009	8.1%
1990–1999	15.5%
1980–1989	16.6%
1970–1979	13.3%
1960–1969	9.7%
1950–1959	6.9%
1940–1949	6.4%
1939 or earlier	14.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	8.3%
2 bedrooms	31.1%
3 bedrooms	46.2%
4 bedrooms	9.6%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.4%
1 vehicle	25.4%
2 vehicles	44.4%
3 or more	27.8%

Heating fuel

Fuel type	%
Utility gas	1.4%
Electricity	12.0%
Propane / LP gas	25.7%
Fuel oil	45.7%
Wood	10.5%

Households & families

Household type	Count	%
Married-couple family	811	55.4%
Cohabiting couple	185	12.6%
Male householder, no spouse	309	21.1%
Female householder, no spouse	158	10.8%
Households with children under 18	408	27.9%
Households with seniors (65+)	526	36.0%
Average household size	2.51

Marital status

Status	Male	Female
Never married	37.5%	22.1%
Married	49.6%	61.4%
Separated	1.0%	1.4%
Widowed	3.2%	4.1%
Divorced	8.7%	11.0%

Education

Less than 9th grade 2.4%

Some HS, no diploma 4.5%

HS graduate 38.5%

Some college, no degree 18.5%

Associate's degree 17.3%

Bachelor's degree 9.5%

Graduate / professional 9.2%

Metric	%
HS diploma or higher	93.1%
Bachelor's or higher	18.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	80	12.7%
Kindergarten	28	4.5%
Elementary school	220	35.0%
High school	211	33.6%
College / grad school	89	14.2%

Employment

Industry of employment

Education & healthcare 22.5%

Manufacturing 12.5%

Retail trade 12.1%

Arts, food & hospitality 10.9%

Professional & management 9.2%

Construction 8.8%

Public administration 8.7%

Other services 4.0%

Transportation & utilities 3.3%

Finance & real estate 3.1%

Wholesale trade 2.7%

Information 1.3%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	32.8%
Service	17.2%
Sales & office	22.2%
Natural resources & construction	12.5%
Production & transportation	15.3%

Employment type

Type	%
Private sector	72.7%
Government	23.6%
Self-employed	3.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	89.7%
Carpool	4.8%
Public transit	0.5%
Walk	1.3%
Work from home	3.3%
Other means	0.4%
Avg commute (minutes)	24.0

Poverty

All people 4.3%

Under 18 years 1.0%

18 and over 5.2%

Married-couple families 3.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	38.9%
Retirement income	26.6%
Supplemental Security	2.9%
Cash public assistance	1.6%
Food stamps / SNAP	6.2%

Health indicators

Condition	%
Obesity	33.0%
High blood pressure	30.8%
High cholesterol	32.5%
Diabetes	9.1%
Heart disease	6.3%
Stroke	3.0%
Asthma	10.7%
Arthritis	26.0%
Kidney disease	2.8%
Pulmonary disease	7.9%
Cancer	6.8%

Behavior / access	%
Smoking	20.4%
Binge drinking	18.0%
No physical activity	25.0%
Less than 7 hrs sleep	33.3%
Depression	21.9%
Fair or poor health	13.4%
Poor mental health	15.2%
Poor physical health	10.6%
No health insurance	12.6%
Visited doctor (checkup)	75.8%
Visited dentist	63.5%
Cholesterol screening	90.1%
Teeth loss	15.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	224	7.7%

Disability	%
Any disability	13.0%
Under 18	3.0%
18–64 years	8.2%
65 and over	36.5%

Health insurance coverage

Type	%
Private insurance	72.6%
Public insurance	40.6%
No insurance	3.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,344	91.0%
Spanish	24	0.7%
Other Indo-European	24	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,672	100.0%
Born in same state	3,661	99.7%
Born in different state	3,075	83.7%
Foreign born	11	0.3%
Naturalized citizen	1	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	617	16.8%
French	595	16.2%
Arab	331	9%
German	58	1.6%

Ancestry	Count	%
English	56	1.5%
Irish	15	0.4%
Polish	10	0.3%

Technology access

Metric	% of households
Computer access	39.8%
Internet access	90.1%

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

Frequently asked questions about ZIP code 12827

What city is ZIP code 12827 in?

ZIP code 12827 is primarily assigned to Fort Ann, New York.

What county is ZIP code 12827 in?

ZIP code 12827 falls within Washington County, New York.

Is ZIP code 12827 mostly owner-occupied?

84% of occupied units in ZIP code 12827 are owner-occupied, well above the national average.

Does ZIP code 12827 have a large retiree population?

39% of households in ZIP code 12827 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 12827?

The median home value in ZIP code 12827 is $190,400.

What is the population of ZIP code 12827?

ZIP code 12827 has an estimated population of 3,673 residents, with a density of 30 people per square mile.

What timezone is ZIP code 12827 in?

ZIP code 12827 observes the EST timezone.