12526 ZIP Code — Germantown, NY

Columbia County, New York

ZIP code 12526 is located in Germantown, New York, within Columbia County. It covers approximately 32.40 square miles and serves a population of 3,519 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 838/518.

About ZIP code 12526

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 $338,300. Owner-occupancy is high at 82%, well above the national average.

Median household income is $88,938. 45% 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 26 minutes is near the national average.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12526 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,519

population

32.40

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12526 ZIP code map

Cities in ZIP code 12526

Below are the cities the US Postal Service accepts for ZIP code 12526. Using any city not on this list may result in mail delivery delays.

City	Status
Germantown	Acceptable
Germantown	Preferred

Nearby ZIP codes

12583 Tivoli (5.5 mi) 12523 Elizaville (5.9 mi) 12477 Saugerties (7.6 mi) 12414 Catskill (7.9 mi) 12507 Barrytown (9.4 mi) 12534 Hudson (9.5 mi) 12456 Mount Marion (9.6 mi) 12571 Red Hook (9.7 mi) 12513 Claverack (9.9 mi) 12463 Palenville (10 mi) 12482 South Cairo (10.5 mi) 12015 Athens (10.6 mi)

Demographics updated 05/2026

Population
Total population	3,519
Population density	109 / sq mi
State FIPS	36
County FIPS	021

Geography
Land area	32.40 sq mi
Water area	1.62 sq mi
Latitude	42.1313
Longitude	-73.8668
Timezone	Eastern (ET)
Area code	838/518

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.0%	36.4%	37.0%
$50k – $100k	35.9%	30.8%	27.0%
$100k – $200k	23.7%	25.3%	24.4%
Over $200k	8.4%	7.4%	11.5%

Demographics & statistics

3,519

Population

109

People per sq mi

53.9

Median age

$88,938

Median household income

$50,167

Per capita income

$338,300

Median home value

$965

Median monthly rent

81.9%

Home ownership

8.1%

Poverty rate

5.9%

Unemployment

1,605

Housing units

43.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

110

20–24

120

233

25–34

253

179

35–44

194

180

45–54

196

161

55–59

175

159

60–64

172

259

65–74

282

181

75–84

196

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	336	9.5%
18 and over	3,183	90.5%
65 and over	1,003	28.5%
Median age	53.9 years

Race & ethnicity

White 89%

Two or more races 3.8%

Black or African American 3%

Hispanic or Latino 2.8%

Asian 1%

Other race 0.4%

Group	Count	%
White	3,222	89%
Two or more races	139	3.8%
Black or African American	108	3%
Hispanic or Latino	102	2.8%
Asian	35	1%
Other race	15	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.0%	36.4%	37.0%
$50k – $100k	35.9%	30.8%	27.0%
$100k – $200k	23.7%	25.3%	24.4%
Over $200k	8.4%	7.4%	11.5%

Under $10k 2.6%

$10k–$15k 2.3%

$15k–$25k 4.8%

$25k–$35k 5.6%

$35k–$50k 6.9%

$50k–$75k 18.0%

$75k–$100k 18.6%

$100k–$150k 20.0%

$150k–$200k 9.8%

$200k+ 11.3%

Range	% of households
Under $10k	2.6%
$10k–$15k	2.3%
$15k–$25k	4.8%
$25k–$35k	5.6%
$35k–$50k	6.9%
$50k–$75k	18.0%
$75k–$100k	18.6%
$100k–$150k	20.0%
$150k–$200k	9.8%
$200k+	11.3%
Median income	$88,938

Housing

Home values

$50k–$100k 4.9%

$100k–$150k 6.9%

$150k–$200k 6.4%

$200k–$300k 27.4%

$300k–$500k 21.5%

$500k–$1M 27.8%

$1M+ 5.2%

Housing overview

Metric	Value
Median home value	$338,300
Median rent / month	$965
Owner occupied	81.9%
Renter occupied	18.1%
Vacant	19.3%
Single-family detached	82.0%
Large apartment buildings	4.6%
Mobile homes	4.2%
Median rooms	5.9
Avg household size (owned)	2.35

Year built

Era	%
2020 or later	0.0%
2010–2019	1.2%
2000–2009	10.4%
1990–1999	8.7%
1980–1989	10.1%
1970–1979	8.8%
1960–1969	10.4%
1950–1959	7.0%
1940–1949	6.5%
1939 or earlier	36.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	12.7%
2 bedrooms	18.6%
3 bedrooms	43.9%
4 bedrooms	18.1%
5+ bedrooms	5.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	27.3%
2 vehicles	42.9%
3 or more	25.7%

Heating fuel

Fuel type	%
Utility gas	2.7%
Electricity	9.9%
Propane / LP gas	17.3%
Fuel oil	59.7%
Wood	6.1%
Solar	2.9%

Households & families

Household type	Count	%
Married-couple family	838	55.2%
Cohabiting couple	150	9.9%
Male householder, no spouse	210	13.8%
Female householder, no spouse	320	21.1%
Households with children under 18	211	13.9%
Households with seniors (65+)	708	46.6%
Average household size	2.21

Marital status

Status	Male	Female
Never married	27.8%	29.5%
Married	60.8%	48.6%
Separated	1.2%	1.5%
Widowed	3.7%	12.8%
Divorced	6.5%	7.6%

Education

Less than 9th grade 2.0%

Some HS, no diploma 4.1%

HS graduate 23.9%

Some college, no degree 15.0%

Associate's degree 11.7%

Bachelor's degree 20.7%

Graduate / professional 22.6%

Metric	%
HS diploma or higher	93.9%
Bachelor's or higher	43.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	6.2%
Kindergarten	11	2.7%
Elementary school	178	44.0%
High school	67	16.5%
College / grad school	124	30.6%

Employment

Industry of employment

Education & healthcare 22.4%

Retail trade 13.4%

Professional & management 13.4%

Arts, food & hospitality 7.9%

Other services 6.6%

Construction 6.5%

Manufacturing 6.2%

Agriculture & mining 5.7%

Finance & real estate 5.5%

Public administration 5.1%

Transportation & utilities 4.0%

Wholesale trade 1.7%

Information 1.6%

Occupation

Category	%
Management, business & arts	41.9%
Service	19.9%
Sales & office	20.5%
Natural resources & construction	10.8%
Production & transportation	6.9%

Employment type

Type	%
Private sector	77.2%
Government	11.5%
Self-employed	10.6%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	56.2%
Carpool	16.0%
Public transit	4.4%
Walk	7.6%
Work from home	15.3%
Other means	0.5%
Avg commute (minutes)	26.0

Poverty

All people 8.1%

Under 18 years 0.9%

18 and over 8.9%

Married-couple families 3.6%

Female-led households 3.0%

Income support

Source	% of households
Social Security	44.5%
Retirement income	38.1%
Supplemental Security	1.8%
Cash public assistance	2.1%
Food stamps / SNAP	2.4%

Health indicators

Condition	%
Obesity	29.3%
High blood pressure	29.9%
High cholesterol	32.7%
Diabetes	9.1%
Heart disease	6.4%
Stroke	2.8%
Asthma	9.7%
Arthritis	23.7%
Kidney disease	2.8%
Pulmonary disease	6.4%
Cancer	7.7%

Behavior / access	%
Smoking	14.6%
Binge drinking	16.9%
No physical activity	19.8%
Less than 7 hrs sleep	30.9%
Depression	21.1%
Fair or poor health	10.6%
Poor mental health	13.3%
Poor physical health	9.0%
No health insurance	9.1%
Visited doctor (checkup)	77.9%
Visited dentist	68.6%
Cholesterol screening	92.1%
Teeth loss	11.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	156	4.9%

Disability	%
Any disability	11.8%
Under 18	3.0%
18–64 years	7.5%
65 and over	24.1%

Health insurance coverage

Type	%
Private insurance	73.3%
Public insurance	40.6%
No insurance	3.6%
Uninsured under 19	7.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,436	97.6%
Spanish	57	1.7%
Other Indo-European	26	0.8%
Asian & Pacific Islander	31	0.9%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,265	92.8%
Born in same state	3,215	91.4%
Born in different state	2,537	72.1%
Foreign born	50	1.4%
Naturalized citizen	254	7.2%
Not a US citizen	157	61.8%

Ancestry

Ancestry	Count	%
Italian	742	21.1%
French	434	12.3%
Irish	120	3.4%
Arab	108	3.1%
English	88	2.5%

Ancestry	Count	%
Polish	77	2.2%
German	16	0.5%
Norwegian	8	0.2%
Dutch	4	0.1%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	93.8%

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

Frequently asked questions about ZIP code 12526

What city is ZIP code 12526 in?

ZIP code 12526 is primarily assigned to Germantown, New York.

What county is ZIP code 12526 in?

ZIP code 12526 falls within Columbia County, New York.

Does ZIP code 12526 have an older population?

29% of residents in ZIP code 12526 are 65 or older, above the national average of ~17%.

Does ZIP code 12526 have a large retiree population?

45% of households in ZIP code 12526 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 12526 mostly owner-occupied?

82% of occupied units in ZIP code 12526 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 12526?

The median home value in ZIP code 12526 is $338,300.

What timezone is ZIP code 12526 in?

ZIP code 12526 observes the EST timezone.