12937 ZIP Code — Fort Covington, NY

Franklin County, New York

ZIP code 12937 is located in Fort Covington, New York, within Franklin County. It covers approximately 34.42 square miles and serves a population of 1,464 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12937

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 $104,800. Owner-occupancy is high at 83%, well above the national average.

Median household income is $50,288. 36% 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 16 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks. 15% of residents lack health insurance, above the national average.

Overall, ZIP code 12937 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,464

population

34.42

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12937 ZIP code map

Cities in ZIP code 12937

Below are the cities the US Postal Service accepts for ZIP code 12937. Using any city not on this list may result in mail delivery delays.

City	Status
Fort Covington	Acceptable
Fort Covington	Preferred

Nearby ZIP codes

12914 Bombay (5.8 mi) 12916 Brushton (7.1 mi) 12957 Moira (7.4 mi) 12926 Constable (7.8 mi) 13655 Hogansburg (8 mi) 12966 North Bangor (10.1 mi) 13613 Brasher Falls (13.8 mi) 12930 Dickinson Center (14.9 mi) 12967 North Lawrence (15.3 mi) 12917 Burke (15.9 mi) 12965 Nicholville (17.8 mi) 12953 Malone (18.6 mi)

Demographics updated 05/2026

Population
Total population	1,464
Population density	43 / sq mi
State FIPS	36
County FIPS	033

Geography
Land area	34.42 sq mi
Water area	0.01 sq mi
Latitude	44.9425
Longitude	-74.4915
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	57.2%	46.8%	37.0%
$50k – $100k	32.8%	32.0%	27.0%
$100k – $200k	9.9%	17.5%	24.4%
Over $200k	0.1%	3.8%	11.5%

Demographics & statistics

1,464

Population

People per sq mi

38.5

Median age

$50,288

Median household income

$24,749

Per capita income

$104,800

Median home value

$841

Median monthly rent

82.7%

Home ownership

17.0%

Poverty rate

0.6%

Unemployment

597

Housing units

13.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

100

45–54

100

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	388	26.5%
18 and over	1,076	73.5%
65 and over	279	19.1%
Median age	38.5 years

Race & ethnicity

White 82.2%

American Indian / Alaska Native 11.1%

Two or more races 2.7%

Hispanic or Latino 2%

Other race 1.8%

Asian 0.2%

Group	Count	%
White	1,228	82.2%
American Indian / Alaska Native	166	11.1%
Two or more races	40	2.7%
Hispanic or Latino	30	2%
Other race	27	1.8%
Asian	3	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	57.2%	46.8%	37.0%
$50k – $100k	32.8%	32.0%	27.0%
$100k – $200k	9.9%	17.5%	24.4%
Over $200k	0.1%	3.8%	11.5%

Under $10k 2.1%

$10k–$15k 5.3%

$15k–$25k 15.1%

$25k–$35k 9.6%

$35k–$50k 17.7%

$50k–$75k 13.9%

$75k–$100k 15.3%

$100k–$150k 16.6%

$150k–$200k 4.1%

$200k+ 0.3%

Range	% of households
Under $10k	2.1%
$10k–$15k	5.3%
$15k–$25k	15.1%
$25k–$35k	9.6%
$35k–$50k	17.7%
$50k–$75k	13.9%
$75k–$100k	15.3%
$100k–$150k	16.6%
$150k–$200k	4.1%
$200k+	0.3%
Median income	$50,288

Housing

Home values

Under $50k 13.5%

$50k–$100k 33.2%

$100k–$150k 23.0%

$150k–$200k 8.5%

$200k–$300k 17.8%

$500k–$1M 0.2%

$1M+ 3.7%

Housing overview

Metric	Value
Median home value	$104,800
Median rent / month	$841
Owner occupied	82.7%
Renter occupied	17.3%
Vacant	16.5%
Single-family detached	74.2%
Large apartment buildings	0.0%
Mobile homes	14.2%
Median rooms	5.9
Avg household size (owned)	2.67

Year built

Era	%
2020 or later	0.0%
2010–2019	3.0%
2000–2009	10.2%
1990–1999	10.9%
1980–1989	15.5%
1970–1979	8.0%
1960–1969	9.7%
1950–1959	7.7%
1940–1949	1.7%
1939 or earlier	33.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.4%
1 bedroom	3.7%
2 bedrooms	15.6%
3 bedrooms	61.7%
4 bedrooms	10.6%
5+ bedrooms	6.9%

Vehicles per household

Vehicles	% of households
No vehicle	8.9%
1 vehicle	35.3%
2 vehicles	44.8%
3 or more	11.0%

Heating fuel

Fuel type	%
Utility gas	0.9%
Electricity	7.2%
Propane / LP gas	11.5%
Fuel oil	55.1%
Wood	20.1%
No fuel used	2.7%

Households & families

Household type	Count	%
Married-couple family	273	46.8%
Cohabiting couple	79	13.6%
Male householder, no spouse	104	17.8%
Female householder, no spouse	127	21.8%
Households with children under 18	190	32.6%
Households with seniors (65+)	204	35.0%
Average household size	2.51

Marital status

Status	Male	Female
Never married	28.1%	26.3%
Married	53.9%	51.4%
Separated	1.2%	0.9%
Widowed	5.4%	8.6%
Divorced	11.4%	12.9%

Education

Less than 9th grade 4.0%

Some HS, no diploma 2.2%

HS graduate 38.5%

Some college, no degree 23.7%

Associate's degree 17.8%

Bachelor's degree 5.7%

Graduate / professional 8.1%

Metric	%
HS diploma or higher	93.7%
Bachelor's or higher	13.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	29	9.0%
Kindergarten	11	3.4%
Elementary school	172	53.4%
High school	80	24.8%
College / grad school	30	9.3%

Employment

Industry of employment

Education & healthcare 32.5%

Other services 17.6%

Agriculture & mining 9.0%

Arts, food & hospitality 8.7%

Public administration 7.4%

Retail trade 7.1%

Construction 5.1%

Transportation & utilities 4.7%

Professional & management 4.7%

Manufacturing 1.4%

Information 1.1%

Finance & real estate 0.9%

Occupation

Category	%
Management, business & arts	32.2%
Service	18.9%
Sales & office	12.5%
Natural resources & construction	17.7%
Production & transportation	18.6%

Employment type

Type	%
Private sector	45.1%
Government	30.5%
Self-employed	23.0%
Unpaid family workers	1.4%

Commute

Method	%
Drive alone	62.4%
Carpool	21.6%
Public transit	1.8%
Walk	2.4%
Work from home	10.1%
Other means	1.7%
Avg commute (minutes)	16.4

Poverty

All people 17.0%

Under 18 years 25.0%

18 and over 14.1%

Married-couple families 13.2%

Female-led households 0.0%

Income support

Source	% of households
Social Security	36.4%
Retirement income	32.8%
Supplemental Security	9.4%
Cash public assistance	0.5%
Food stamps / SNAP	9.3%

Health indicators

Condition	%
Obesity	38.9%
High blood pressure	38.2%
High cholesterol	35.6%
Diabetes	12.7%
Heart disease	8.4%
Stroke	4.1%
Asthma	11.5%
Arthritis	28.8%
Kidney disease	3.7%
Pulmonary disease	10.2%
Cancer	7.3%

Behavior / access	%
Smoking	23.8%
Binge drinking	16.7%
No physical activity	31.8%
Less than 7 hrs sleep	34.8%
Depression	22.9%
Fair or poor health	17.9%
Poor mental health	16.5%
Poor physical health	13.2%
No health insurance	13.3%
Visited doctor (checkup)	79.7%
Visited dentist	56.2%
Cholesterol screening	89.6%
Teeth loss	19.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	89	8.3%

Disability	%
Any disability	15.4%
Under 18	0.0%
18–64 years	12.8%
65 and over	44.1%

Health insurance coverage

Type	%
Private insurance	69.1%
Public insurance	33.9%
No insurance	15.2%
Uninsured under 19	28.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,388	94.8%
Spanish	72	5.2%
Other Indo-European	0	0.0%
Asian & Pacific Islander	72	5.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,445	98.7%
Born in same state	1,294	88.4%
Born in different state	1,137	77.7%
Foreign born	151	10.3%
Naturalized citizen	19	1.3%
Not a US citizen	9	47.4%

Ancestry

Ancestry	Count	%
Italian	290	19.8%
German	206	14.1%
French	77	5.3%
Arab	65	4.4%

Ancestry	Count	%
English	6	0.4%
Dutch	5	0.3%
Irish	2	0.1%

Technology access

Metric	% of households
Computer access	39.8%
Internet access	84.9%

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

Frequently asked questions about ZIP code 12937

What city is ZIP code 12937 in?

ZIP code 12937 is primarily assigned to Fort Covington, New York.

What county is ZIP code 12937 in?

ZIP code 12937 falls within Franklin County, New York.

How educated is the population of ZIP code 12937?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 12937 mostly owner-occupied?

83% of occupied units in ZIP code 12937 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 12937?

17% of residents in ZIP code 12937 live below the poverty line, above the national average.

Does ZIP code 12937 have a large retiree population?

36% of households in ZIP code 12937 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 12937 in?

ZIP code 12937 observes the EST timezone.