12092 ZIP Code — Howes Cave, NY

Schoharie County, New York

ZIP code 12092 is located in Howes Cave, New York, within Schoharie County. It covers approximately 15.47 square miles and serves a population of 1,604 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12092

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $189,500. Owner-occupancy sits near the national average at 71%.

Median household income is $76,538. SNAP benefit usage at 19% of households reflects economic stress in the area. 40% 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 26% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12092 reflects a community defined by a significant Social Security-dependent population and elevated reliance on food assistance.

1,604

population

15.47

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12092 ZIP code map

Cities in ZIP code 12092

Below are the cities the US Postal Service accepts for ZIP code 12092. Using any city not on this list may result in mail delivery delays.

City	Status
Howes Cave	Acceptable
Howes Cave	Preferred

Nearby ZIP codes

12035 Central Bridge (2 mi) 12160 Sloansville (4.1 mi) 12157 Schoharie (5 mi) 12066 Esperance (6.2 mi) 12031 Carlisle (6.3 mi) 12187 Warnerville (6.6 mi) 12043 Cobleskill (7.6 mi) 12166 Sprakers (9.9 mi) 12053 Delanson (10.5 mi) 13459 Sharon Springs (10.7 mi) 12122 Middleburgh (10.9 mi) 12149 Richmondville (11 mi)

Demographics updated 05/2026

Population
Total population	1,604
Population density	104 / sq mi
State FIPS	36
County FIPS	095

Geography
Land area	15.47 sq mi
Water area	0.15 sq mi
Latitude	42.7037
Longitude	-74.3783
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	55.3%	44.9%	37.0%
$50k – $100k	31.4%	31.1%	27.0%
$100k – $200k	8.2%	19.4%	24.4%
Over $200k	5.2%	4.6%	11.5%

Demographics & statistics

1,604

Population

104

People per sq mi

42.2

Median age

$76,538

Median household income

$40,269

Per capita income

$189,500

Median home value

$1,091

Median monthly rent

71.2%

Home ownership

7.7%

Poverty rate

2.6%

Unemployment

545

Housing units

25.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

127

25–34

108

124

35–44

104

109

45–54

55–59

60–64

107

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	318	19.8%
18 and over	1,286	80.2%
65 and over	325	20.3%
Median age	42.2 years

Race & ethnicity

White 93.5%

Black or African American 4.7%

Two or more races 1.2%

Native Hawaiian / Pacific Islander 0.4%

Hispanic or Latino 0.2%

Group	Count	%
White	1,504	93.5%
Black or African American	75	4.7%
Two or more races	19	1.2%
Native Hawaiian / Pacific Islander	6	0.4%
Hispanic or Latino	4	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.3%	44.9%	37.0%
$50k – $100k	31.4%	31.1%	27.0%
$100k – $200k	8.2%	19.4%	24.4%
Over $200k	5.2%	4.6%	11.5%

Under $10k 0.4%

$10k–$15k 11.4%

$15k–$25k 7.0%

$25k–$35k 2.5%

$35k–$50k 6.7%

$50k–$75k 18.4%

$75k–$100k 19.7%

$100k–$150k 18.7%

$150k–$200k 5.2%

$200k+ 9.9%

Range	% of households
Under $10k	0.4%
$10k–$15k	11.4%
$15k–$25k	7.0%
$25k–$35k	2.5%
$35k–$50k	6.7%
$50k–$75k	18.4%
$75k–$100k	19.7%
$100k–$150k	18.7%
$150k–$200k	5.2%
$200k+	9.9%
Median income	$76,538

Housing

Home values

Under $50k 7.5%

$50k–$100k 20.8%

$100k–$150k 16.5%

$150k–$200k 9.0%

$200k–$300k 29.8%

$300k–$500k 10.6%

$500k–$1M 2.3%

$1M+ 3.5%

Housing overview

Metric	Value
Median home value	$189,500
Median rent / month	$1,091
Owner occupied	71.2%
Renter occupied	28.8%
Vacant	8.8%
Single-family detached	62.0%
Large apartment buildings	0.0%
Mobile homes	12.6%
Median rooms	6.2
Avg household size (owned)	2.68

Year built

Era	%
2020 or later	0.0%
2010–2019	1.5%
2000–2009	14.1%
1990–1999	10.8%
1980–1989	6.4%
1970–1979	13.3%
1960–1969	2.4%
1950–1959	5.3%
1940–1949	0.0%
1939 or earlier	46.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	15.7%
2 bedrooms	14.1%
3 bedrooms	43.0%
4 bedrooms	9.3%
5+ bedrooms	16.4%

Vehicles per household

Vehicles	% of households
No vehicle	12.2%
1 vehicle	18.7%
2 vehicles	46.4%
3 or more	22.7%

Heating fuel

Fuel type	%
Electricity	20.6%
Propane / LP gas	27.9%
Fuel oil	40.5%
Wood	7.1%
Solar	0.6%

Households & families

Household type	Count	%
Married-couple family	299	44.4%
Cohabiting couple	77	11.4%
Male householder, no spouse	56	8.3%
Female householder, no spouse	242	35.9%
Households with children under 18	195	28.9%
Households with seniors (65+)	263	39.0%
Average household size	2.38

Marital status

Status	Male	Female
Never married	43.6%	22.3%
Married	44.8%	42.9%
Separated	0.5%	1.7%
Widowed	4.0%	16.9%
Divorced	7.0%	16.1%

Education

Less than 9th grade 0.4%

Some HS, no diploma 7.8%

HS graduate 25.7%

Some college, no degree 31.5%

Associate's degree 9.1%

Bachelor's degree 5.6%

Graduate / professional 19.9%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	25.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	15	5.2%
Kindergarten	11	3.8%
Elementary school	121	41.7%
High school	100	34.5%
College / grad school	43	14.8%

Employment

Industry of employment

Education & healthcare 30.7%

Construction 14.4%

Public administration 11.1%

Retail trade 9.6%

Agriculture & mining 7.4%

Transportation & utilities 6.7%

Finance & real estate 5.4%

Manufacturing 4.3%

Arts, food & hospitality 4.0%

Professional & management 3.3%

Information 2.6%

Other services 0.6%

Occupation

Category	%
Management, business & arts	40.1%
Service	14.3%
Sales & office	17.2%
Natural resources & construction	26.5%
Production & transportation	1.9%

Employment type

Type	%
Private sector	54.4%
Government	40.6%
Self-employed	2.4%
Unpaid family workers	2.6%

Commute

Method	%
Drive alone	85.7%
Carpool	5.2%
Public transit	0.0%
Walk	0.0%
Work from home	9.1%
Other means	0.0%
Avg commute (minutes)	26.0

Poverty

All people 7.7%

Under 18 years 2.8%

18 and over 8.9%

Married-couple families 0.0%

Female-led households 12.4%

Income support

Source	% of households
Social Security	39.6%
Retirement income	26.4%
Supplemental Security	16.3%
Cash public assistance	1.9%
Food stamps / SNAP	19.4%

Health indicators

Condition	%
Obesity	34.3%
High blood pressure	30.9%
High cholesterol	31.8%
Diabetes	9.0%
Heart disease	6.2%
Stroke	2.9%
Asthma	10.3%
Arthritis	25.2%
Kidney disease	2.8%
Pulmonary disease	7.2%
Cancer	6.8%

Behavior / access	%
Smoking	17.6%
Binge drinking	17.8%
No physical activity	24.3%
Less than 7 hrs sleep	33.3%
Depression	21.6%
Fair or poor health	12.2%
Poor mental health	14.6%
Poor physical health	10.1%
No health insurance	9.9%
Visited doctor (checkup)	77.9%
Visited dentist	65.5%
Cholesterol screening	90.7%
Teeth loss	13.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	104	8.1%

Disability	%
Any disability	17.1%
Under 18	8.5%
18–64 years	20.3%
65 and over	16.0%

Health insurance coverage

Type	%
Private insurance	79.9%
Public insurance	37.7%
No insurance	3.1%
Uninsured under 19	1.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,560	97.3%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,588	99.0%
Born in same state	1,588	99.0%
Born in different state	1,472	91.8%
Foreign born	0	0.0%
Naturalized citizen	16	1.0%
Not a US citizen	16	100.0%

Ancestry

Ancestry	Count	%
Italian	203	12.7%
English	140	8.7%
French	134	8.4%

Ancestry	Count	%
Arab	56	3.5%
Irish	53	3.3%
German	17	1.1%

Technology access

Metric	% of households
Computer access	42.0%
Internet access	83.2%

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

Frequently asked questions about ZIP code 12092

What city is ZIP code 12092 in?

ZIP code 12092 is primarily assigned to Howes Cave, New York.

What county is ZIP code 12092 in?

ZIP code 12092 falls within Schoharie County, New York.

Does ZIP code 12092 have a large retiree population?

40% of households in ZIP code 12092 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 12092?

The median home value in ZIP code 12092 is $189,500.

What is the population of ZIP code 12092?

ZIP code 12092 has an estimated population of 1,604 residents, with a density of 104 people per square mile.

What is the median household income in ZIP code 12092?

The median household income in ZIP code 12092 is $76,538, above the national median of ~$75,000.

What timezone is ZIP code 12092 in?

ZIP code 12092 observes the EST timezone.