12076 ZIP Code — Gilboa, NY

Schoharie County, New York

ZIP code 12076 is located in Gilboa, New York, within Schoharie County. It covers approximately 68.82 square miles and serves a population of 1,271 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518/838.

About ZIP code 12076

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $191,000. Owner-occupancy is high at 92%, well above the national average.

Median household income is $70,625. 55% 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 35 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12076 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,271
population
68.82
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12076 ZIP code map
Cities in ZIP code 12076

Below are the cities the US Postal Service accepts for ZIP code 12076. Using any city not on this list may result in mail delivery delays.

City Status
Gilboa Preferred
Nearby ZIP codes
12131 North Blenheim (5 mi) 12434 Grand Gorge (6.8 mi) 12407 Ashland (7 mi) 12469 Preston Hollow (7.2 mi) 12194 West Fulton (7.8 mi) 12496 Windham (8.4 mi) 12468 Prattsville (8.6 mi) 12071 Fultonham (9 mi) 12122 Middleburgh (10.6 mi) 12167 Stamford (10.8 mi) 12444 Jewett (11.4 mi) 12474 Roxbury (11.6 mi)
Demographics updated 05/2026
Population
Total population 1,271
Population density 18 / sq mi
State FIPS 36
County FIPS 095
Geography
Land area 68.82 sq mi
Water area 1.87 sq mi
Latitude 42.4165
Longitude -74.3896
Timezone Eastern (ET)
Area code 518/838
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 43.3% 44.9% 37.0%
$50k – $100k 40.8% 31.1% 27.0%
$100k – $200k 14.7% 19.4% 24.4%
Over $200k 1.2% 4.6% 11.5%

Demographics & statistics

1,271
Population
18
People per sq mi
54.6
Median age
$70,625
Median household income
$38,486
Per capita income
$191,000
Median home value
$975
Median monthly rent
92.1%
Home ownership
8.1%
Poverty rate
7.6%
Unemployment
1,134
Housing units
23.7%
Bachelor's or higher

Age distribution

Male Female
16
Under 5
17
25
5–9
26
40
10–14
43
31
15–19
33
15
20–24
15
43
25–34
46
72
35–44
77
70
45–54
75
55
55–59
58
62
60–64
67
108
65–74
115
54
75–84
58
24
85+
26
← Male
Female →

Age summary

GroupCount%
Under 1821216.7%
18 and over1,05983.3%
65 and over38530.3%
Median age54.6 years

Race & ethnicity

White 77.3%
Hispanic or Latino 9.5%
Other race 6%
Two or more races 5.3%
Asian 1.1%
Black or African American 0.7%
GroupCount%
White1,08677.3%
Hispanic or Latino1349.5%
Other race846%
Two or more races755.3%
Asian161.1%
Black or African American100.7%

Household income

Income range This ZIP County avg State avg
Under $50k 43.3% 44.9% 37.0%
$50k – $100k 40.8% 31.1% 27.0%
$100k – $200k 14.7% 19.4% 24.4%
Over $200k 1.2% 4.6% 11.5%
Under $10k 4.2%
$10k–$15k 6.8%
$15k–$25k 6.1%
$25k–$35k 8.4%
$35k–$50k 9.9%
$50k–$75k 19.2%
$75k–$100k 11.3%
$100k–$150k 19.7%
$150k–$200k 7.0%
$200k+ 7.3%
Range% of households
Under $10k4.2%
$10k–$15k6.8%
$15k–$25k6.1%
$25k–$35k8.4%
$35k–$50k9.9%
$50k–$75k19.2%
$75k–$100k11.3%
$100k–$150k19.7%
$150k–$200k7.0%
$200k+7.3%
Median income$70,625

Housing

Home values

Under $50k 4.0%
$50k–$100k 13.3%
$100k–$150k 17.0%
$150k–$200k 19.3%
$200k–$300k 30.9%
$300k–$500k 10.4%
$500k–$1M 5.1%

Housing overview

MetricValue
Median home value$191,000
Median rent / month$975
Owner occupied92.1%
Renter occupied7.9%
Vacant51.4%
Single-family detached80.8%
Large apartment buildings1.1%
Mobile homes17.5%
Median rooms5.1
Avg household size (owned)2.23

Year built

Era%
2020 or later0.0%
2010–20193.6%
2000–200910.9%
1990–199917.9%
1980–198919.6%
1970–197921.2%
1960–19697.3%
1950–19593.9%
1940–19490.5%
1939 or earlier15.1%

Bedrooms

Size% of units
No bedroom (studio)1.1%
1 bedroom7.0%
2 bedrooms33.1%
3 bedrooms45.4%
4 bedrooms11.0%
5+ bedrooms2.5%

Vehicles per household

Vehicles% of households
No vehicle3.7%
1 vehicle29.0%
2 vehicles43.3%
3 or more24.1%

Heating fuel

Fuel type%
Utility gas1.0%
Electricity16.4%
Propane / LP gas8.0%
Fuel oil51.3%
Wood21.5%
Solar0.2%
No fuel used0.7%

Households & families

Household typeCount%
Married-couple family31354.6%
Cohabiting couple417.2%
Male householder, no spouse12521.8%
Female householder, no spouse9416.4%
Households with children under 1813423.4%
Households with seniors (65+)28549.7%
Average household size2.22

Marital status

StatusMaleFemale
Never married17.1%25.2%
Married61.4%56.1%
Separated1.5%0.5%
Widowed6.1%10.6%
Divorced13.8%7.5%

Education

Less than 9th grade 4.7%
Some HS, no diploma 6.7%
HS graduate 36.6%
Some college, no degree 15.0%
Associate's degree 13.3%
Bachelor's degree 14.2%
Graduate / professional 9.5%
Metric%
HS diploma or higher88.6%
Bachelor's or higher23.7%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool176.9%
Kindergarten31.2%
Elementary school12952.2%
High school6526.3%
College / grad school3313.4%

Employment

Industry of employment

Education & healthcare 30.0%
Professional & management 16.3%
Construction 9.9%
Transportation & utilities 7.2%
Arts, food & hospitality 7.2%
Manufacturing 6.8%
Retail trade 6.6%
Other services 5.2%
Public administration 3.9%
Agriculture & mining 2.5%
Finance & real estate 2.1%
Information 1.9%
Wholesale trade 0.4%

Occupation

Category%
Management, business & arts32.4%
Service17.1%
Sales & office15.5%
Natural resources & construction10.5%
Production & transportation24.4%

Employment type

Type%
Private sector62.4%
Government28.7%
Self-employed8.9%
Unpaid family workers0.0%

Commute

Method%
Drive alone86.9%
Carpool4.9%
Public transit0.0%
Walk1.3%
Work from home7.0%
Other means0.0%
Avg commute (minutes)34.8

Poverty

All people 8.1%
Under 18 years 11.7%
18 and over 7.4%
Married-couple families 1.3%
Female-led households 18.6%

Income support

Source% of households
Social Security55.3%
Retirement income41.5%
Supplemental Security8.4%
Cash public assistance1.4%
Food stamps / SNAP11.3%

Health indicators

Condition%
Obesity35.4%
High blood pressure35.9%
High cholesterol35.1%
Diabetes11.1%
Heart disease8.1%
Stroke3.6%
Asthma10.3%
Arthritis29.2%
Kidney disease3.4%
Pulmonary disease8.7%
Cancer8.0%
Behavior / access%
Smoking18.5%
Binge drinking15.7%
No physical activity27.0%
Less than 7 hrs sleep33.2%
Depression21.1%
Fair or poor health14.4%
Poor mental health14.0%
Poor physical health11.4%
No health insurance11.0%
Visited doctor (checkup)79.6%
Visited dentist63.7%
Cholesterol screening92.1%
Teeth loss15.1%

Veterans & disability

VeteransCount%
Civilian veterans10710.1%
Disability%
Any disability20.6%
Under 188.0%
18–64 years18.4%
65 and over31.4%

Health insurance coverage

Type%
Private insurance68.2%
Public insurance52.2%
No insurance1.7%
Uninsured under 190.9%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,23897.4%
Spanish110.9%
Other Indo-European40.3%
Asian & Pacific Islander30.2%
Other languages40.3%

Place of birth & citizenship

OriginCount%
Native born (US)1,17192.1%
Born in same state1,15290.6%
Born in different state95975.5%
Foreign born191.5%
Naturalized citizen1007.9%
Not a US citizen7171.0%

Ancestry

AncestryCount%
Italian28422.3%
French21717.1%
English403.1%
Arab292.3%
AncestryCount%
Polish141.1%
German100.8%
Irish40.3%
Norwegian30.2%

Technology access

Metric% of households
Computer access45.1%
Internet access92.3%

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

Frequently asked questions about ZIP code 12076

What city is ZIP code 12076 in?

ZIP code 12076 is primarily assigned to Gilboa, New York.

What county is ZIP code 12076 in?

ZIP code 12076 falls within Schoharie County, New York.

Does ZIP code 12076 have an older population?

30% of residents in ZIP code 12076 are 65 or older, above the national average of ~17%.

Does ZIP code 12076 have a large retiree population?

55% of households in ZIP code 12076 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 12076 mostly owner-occupied?

92% of occupied units in ZIP code 12076 are owner-occupied, well above the national average.

Does ZIP code 12076 have a large veteran population?

10% of civilians in ZIP code 12076 are veterans, above the national average of ~7%.

What timezone is ZIP code 12076 in?

ZIP code 12076 observes the EST timezone.

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