12086 ZIP Code — Hagaman, NY

Montgomery County, New York

ZIP code 12086 is located in Hagaman, New York, within Montgomery County. It covers approximately 6.11 square miles and serves a population of 1,648 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12086

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 $193,300. Owner-occupancy is high at 86%, well above the national average.

Median household income is $74,821. The poverty rate of 4% is below the national average. 57% 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 21 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 12086 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,648
population
6.11
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12086 ZIP code map
Cities in ZIP code 12086

Below are the cities the US Postal Service accepts for ZIP code 12086. Using any city not on this list may result in mail delivery delays.

City Status
Hagaman Preferred
Nearby ZIP codes
12010 Amsterdam (4.5 mi) 12074 Galway (5.1 mi) 12070 Fort Johnson (6.9 mi) 12025 Broadalbin (7.4 mi) 12150 Rotterdam Junction (8.8 mi) 12137 Pattersonville (9.4 mi) 12302 Schenectady (9.8 mi) 12850 Middle Grove (10.3 mi) 12863 Rock City Falls (10.4 mi) 12019 Ballston Lake (11.1 mi) 12016 Auriesville (11.2 mi) 12027 Burnt Hills (11.2 mi)
Demographics updated 05/2026
Population
Total population 1,648
Population density 270 / sq mi
State FIPS 36
County FIPS 057
Geography
Land area 6.11 sq mi
Water area 0.07 sq mi
Latitude 42.9911
Longitude -74.1124
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 39.3% 48.3% 37.0%
$50k – $100k 33.8% 28.6% 27.0%
$100k – $200k 26.8% 20.2% 24.4%
Over $200k 0.0% 2.9% 11.5%

Demographics & statistics

1,648
Population
270
People per sq mi
54.5
Median age
$74,821
Median household income
$33,529
Per capita income
$193,300
Median home value
$845
Median monthly rent
85.9%
Home ownership
4.1%
Poverty rate
0.0%
Unemployment
812
Housing units
24.4%
Bachelor's or higher

Age distribution

Male Female
26
Under 5
33
3
5–9
4
42
10–14
53
68
15–19
85
45
20–24
57
44
25–34
56
84
35–44
107
65
45–54
82
63
55–59
79
80
60–64
102
126
65–74
160
65
75–84
81
17
85+
21
← Male
Female →

Age summary

GroupCount%
Under 1819411.8%
18 and over1,45488.2%
65 and over47028.5%
Median age54.5 years

Race & ethnicity

White 94.5%
Two or more races 2.8%
Hispanic or Latino 1%
Other race 1%
Asian 0.5%
American Indian / Alaska Native 0.3%
GroupCount%
White1,57294.5%
Two or more races472.8%
Hispanic or Latino161%
Other race161%
Asian80.5%
American Indian / Alaska Native50.3%

Household income

Income range This ZIP County avg State avg
Under $50k 39.3% 48.3% 37.0%
$50k – $100k 33.8% 28.6% 27.0%
$100k – $200k 26.8% 20.2% 24.4%
Over $200k 0.0% 2.9% 11.5%
Under $10k 1.6%
$10k–$15k 3.3%
$15k–$25k 16.2%
$25k–$35k 1.6%
$35k–$50k 8.9%
$50k–$75k 18.8%
$75k–$100k 20.6%
$100k–$150k 21.2%
$150k–$200k 3.4%
$200k+ 4.3%
Range% of households
Under $10k1.6%
$10k–$15k3.3%
$15k–$25k16.2%
$25k–$35k1.6%
$35k–$50k8.9%
$50k–$75k18.8%
$75k–$100k20.6%
$100k–$150k21.2%
$150k–$200k3.4%
$200k+4.3%
Median income$74,821

Housing

Home values

Under $50k 8.3%
$50k–$100k 6.6%
$100k–$150k 10.2%
$150k–$200k 30.9%
$200k–$300k 24.4%
$300k–$500k 18.8%
$500k–$1M 0.9%

Housing overview

MetricValue
Median home value$193,300
Median rent / month$845
Owner occupied85.9%
Renter occupied14.1%
Vacant25.7%
Single-family detached81.7%
Large apartment buildings0.0%
Mobile homes4.3%
Median rooms6.3
Avg household size (owned)2.49

Year built

Era%
2020 or later1.2%
2010–20190.0%
2000–20096.7%
1990–19992.2%
1980–19899.0%
1970–197914.0%
1960–196910.3%
1950–195917.5%
1940–194912.9%
1939 or earlier26.1%

Bedrooms

Size% of units
No bedroom (studio)6.0%
1 bedroom3.6%
2 bedrooms20.9%
3 bedrooms55.5%
4 bedrooms6.2%
5+ bedrooms7.8%

Vehicles per household

Vehicles% of households
No vehicle1.2%
1 vehicle32.5%
2 vehicles44.2%
3 or more22.1%

Heating fuel

Fuel type%
Utility gas54.7%
Electricity8.9%
Propane / LP gas9.1%
Fuel oil23.9%

Households & families

Household typeCount%
Married-couple family32247.8%
Cohabiting couple456.7%
Male householder, no spouse12418.4%
Female householder, no spouse18327.2%
Households with children under 1812017.8%
Households with seniors (65+)35051.9%
Average household size2.40

Marital status

StatusMaleFemale
Never married30.0%27.8%
Married48.2%40.6%
Separated2.2%10.8%
Widowed4.5%10.4%
Divorced15.1%10.4%

Education

Less than 9th grade 1.1%
Some HS, no diploma 4.5%
HS graduate 37.2%
Some college, no degree 17.8%
Associate's degree 15.0%
Bachelor's degree 16.2%
Graduate / professional 8.1%
Metric%
HS diploma or higher94.3%
Bachelor's or higher24.4%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool238.8%
Kindergarten00.0%
Elementary school5621.5%
High school11945.8%
College / grad school6223.8%

Employment

Industry of employment

Education & healthcare 17.4%
Retail trade 15.3%
Professional & management 15.0%
Other services 10.5%
Manufacturing 8.1%
Transportation & utilities 7.3%
Finance & real estate 7.3%
Arts, food & hospitality 6.6%
Public administration 6.1%
Construction 4.2%
Wholesale trade 2.2%

Occupation

Category%
Management, business & arts35.7%
Service19.5%
Sales & office25.2%
Natural resources & construction4.9%
Production & transportation14.7%

Employment type

Type%
Private sector82.0%
Government13.4%
Self-employed3.9%
Unpaid family workers0.7%

Commute

Method%
Drive alone79.6%
Carpool10.2%
Public transit0.0%
Walk0.0%
Work from home10.2%
Other means0.0%
Avg commute (minutes)21.4

Poverty

All people 4.1%
Under 18 years 1.5%
18 and over 4.4%
Married-couple families 0.0%
Female-led households 0.0%

Income support

Source% of households
Social Security56.5%
Retirement income39.9%
Supplemental Security8.5%
Cash public assistance0.0%
Food stamps / SNAP10.2%

Health indicators

Condition%
Obesity29.3%
High blood pressure33.8%
High cholesterol35.0%
Diabetes9.5%
Heart disease6.9%
Stroke3.0%
Asthma9.8%
Arthritis26.0%
Kidney disease3.0%
Pulmonary disease7.1%
Cancer8.1%
Behavior / access%
Smoking15.9%
Binge drinking16.8%
No physical activity22.8%
Less than 7 hrs sleep32.3%
Depression19.7%
Fair or poor health11.4%
Poor mental health12.9%
Poor physical health9.6%
No health insurance9.5%
Visited doctor (checkup)78.3%
Visited dentist67.5%
Cholesterol screening92.6%
Teeth loss11.7%

Veterans & disability

VeteransCount%
Civilian veterans714.9%
Disability%
Any disability10.0%
Under 184.1%
18–64 years6.1%
65 and over20.6%

Health insurance coverage

Type%
Private insurance68.4%
Public insurance47.8%
No insurance2.4%
Uninsured under 191.6%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,58996.4%
Spanish60.4%
Other Indo-European00.0%
Asian & Pacific Islander00.0%
Other languages60.4%

Place of birth & citizenship

OriginCount%
Native born (US)1,62998.8%
Born in same state1,62098.3%
Born in different state1,46388.8%
Foreign born90.5%
Naturalized citizen191.2%
Not a US citizen19100.0%

Ancestry

AncestryCount%
Italian51831.4%
French21713.2%
Arab1328%
English311.9%
Norwegian231.4%
AncestryCount%
Irish80.5%
German70.4%
Polish50.3%
Dutch30.2%

Technology access

Metric% of households
Computer access40.9%
Internet access85.2%

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

Frequently asked questions about ZIP code 12086

What city is ZIP code 12086 in?

ZIP code 12086 is primarily assigned to Hagaman, New York.

What county is ZIP code 12086 in?

ZIP code 12086 falls within Montgomery County, New York.

Does ZIP code 12086 have a large retiree population?

57% of households in ZIP code 12086 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 12086 have an older population?

29% of residents in ZIP code 12086 are 65 or older, above the national average of ~17%.

Is ZIP code 12086 mostly owner-occupied?

86% of occupied units in ZIP code 12086 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 12086?

The median home value in ZIP code 12086 is $193,300.

What timezone is ZIP code 12086 in?

ZIP code 12086 observes the EST timezone.

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