12095 ZIP Code — Johnstown, NY

Fulton County, New York

ZIP code 12095 is located in Johnstown, New York, within Fulton County. It covers approximately 65.20 square miles and serves a population of 12,586 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12095

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 $156,000. Owner-occupancy sits near the national average at 68%.

Median household income is $69,087. The poverty rate of 7% is below the national average. 38% 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 18 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

12,586

population

65.20

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12095 ZIP code map

Cities in ZIP code 12095

Below are the cities the US Postal Service accepts for ZIP code 12095. Using any city not on this list may result in mail delivery delays.

City	Status
Johnstown	Acceptable
Johnstown	Preferred

Nearby ZIP codes

12078 Gloversville (6 mi) 12068 Fonda (6.9 mi) 12070 Fort Johnson (7.7 mi) 12016 Auriesville (8.7 mi) 12117 Mayfield (10.2 mi) 13452 Saint Johnsville (11.6 mi) 13428 Palatine Bridge (11.9 mi) 12072 Fultonville (12.3 mi) 12025 Broadalbin (12.7 mi) 12010 Amsterdam (13 mi) 12086 Hagaman (14.1 mi) 12166 Sprakers (15.2 mi)

Demographics updated 06/2026

Population
Total population	12,586
Population density	193 / sq mi
State FIPS	36
County FIPS	035

Geography
Land area	65.20 sq mi
Water area	0.35 sq mi
Latitude	43.0462
Longitude	-74.3810
Timezone	Eastern (ET)
Area code	518

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.7%	48.9%	37.0%
$50k – $100k	34.2%	31.0%	27.0%
$100k – $200k	19.6%	16.8%	24.4%
Over $200k	2.5%	3.3%	11.5%

Demographics & statistics

12,586

Population

193

People per sq mi

43.5

Median age

$69,087

Median household income

$34,641

Per capita income

$156,000

Median home value

$859

Median monthly rent

67.9%

Home ownership

7.0%

Poverty rate

2.3%

Unemployment

4,109

Housing units

23.2%

Bachelor's or higher

Age distribution

Male Female

320

Under 5

306

333

5–9

317

384

10–14

366

363

15–19

346

249

20–24

237

892

25–34

852

871

35–44

831

991

45–54

946

344

55–59

329

484

60–64

462

782

65–74

746

209

75–84

199

219

85+

208

← Male

Female →

Age summary

Group	Count	%
Under 18	2,610	20.7%
18 and over	9,976	79.3%
65 and over	2,363	18.8%
Median age	43.5 years

Race & ethnicity

White 88.9%

Two or more races 4.4%

Hispanic or Latino 3.4%

Black or African American 2.2%

Asian 0.6%

Other race 0.6%

Group	Count	%
White	11,585	88.9%
Two or more races	574	4.4%
Hispanic or Latino	449	3.4%
Black or African American	281	2.2%
Asian	73	0.6%
Other race	73	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.7%	48.9%	37.0%
$50k – $100k	34.2%	31.0%	27.0%
$100k – $200k	19.6%	16.8%	24.4%
Over $200k	2.5%	3.3%	11.5%

Under $10k 4.3%

$10k–$15k 5.6%

$15k–$25k 10.4%

$25k–$35k 5.3%

$35k–$50k 9.5%

$50k–$75k 18.1%

$75k–$100k 16.0%

$100k–$150k 20.4%

$150k–$200k 6.9%

$200k+ 3.6%

Range	% of households
Under $10k	4.3%
$10k–$15k	5.6%
$15k–$25k	10.4%
$25k–$35k	5.3%
$35k–$50k	9.5%
$50k–$75k	18.1%
$75k–$100k	16.0%
$100k–$150k	20.4%
$150k–$200k	6.9%
$200k+	3.6%
Median income	$69,087

Housing

Home values

Under $50k 3.1%

$50k–$100k 20.8%

$100k–$150k 21.6%

$150k–$200k 27.3%

$200k–$300k 16.1%

$300k–$500k 8.1%

$500k–$1M 1.5%

$1M+ 1.6%

Housing overview

Metric	Value
Median home value	$156,000
Median rent / month	$859
Owner occupied	67.9%
Renter occupied	32.1%
Vacant	8.6%
Single-family detached	66.1%
Large apartment buildings	1.1%
Mobile homes	2.6%
Median rooms	5.8
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	0.0%
2010–2019	1.4%
2000–2009	3.4%
1990–1999	6.3%
1980–1989	4.0%
1970–1979	15.5%
1960–1969	8.9%
1950–1959	7.7%
1940–1949	13.5%
1939 or earlier	39.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	12.0%
2 bedrooms	33.3%
3 bedrooms	37.5%
4 bedrooms	9.5%
5+ bedrooms	7.5%

Vehicles per household

Vehicles	% of households
No vehicle	10.4%
1 vehicle	35.6%
2 vehicles	35.7%
3 or more	18.3%

Heating fuel

Fuel type	%
Utility gas	57.9%
Electricity	10.5%
Propane / LP gas	7.2%
Fuel oil	15.0%
Wood	5.6%
Solar	0.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	2,406	45.3%
Cohabiting couple	293	5.5%
Male householder, no spouse	1,078	20.3%
Female householder, no spouse	1,535	28.9%
Households with children under 18	1,451	27.3%
Households with seniors (65+)	1,720	32.4%
Average household size	2.25

Marital status

Status	Male	Female
Never married	36.4%	26.3%
Married	47.5%	47.2%
Separated	2.3%	0.9%
Widowed	2.3%	11.5%
Divorced	11.5%	14.1%

Education

Less than 9th grade 2.4%

Some HS, no diploma 9.5%

HS graduate 37.1%

Some college, no degree 14.0%

Associate's degree 13.9%

Bachelor's degree 15.2%

Graduate / professional 7.9%

Metric	%
HS diploma or higher	88.1%
Bachelor's or higher	23.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	56	2.5%
Kindergarten	122	5.5%
Elementary school	1,161	52.2%
High school	608	27.3%
College / grad school	278	12.5%

Employment

Industry of employment

Education & healthcare 28.3%

Retail trade 16.0%

Construction 10.2%

Manufacturing 9.4%

Professional & management 9.0%

Transportation & utilities 5.6%

Arts, food & hospitality 4.9%

Other services 4.5%

Public administration 3.8%

Finance & real estate 3.6%

Agriculture & mining 2.5%

Wholesale trade 1.9%

Information 0.3%

Occupation

Category	%
Management, business & arts	30.9%
Service	17.6%
Sales & office	19.6%
Natural resources & construction	12.2%
Production & transportation	19.8%

Employment type

Type	%
Private sector	77.4%
Government	18.2%
Self-employed	4.1%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	79.3%
Carpool	7.5%
Public transit	0.6%
Walk	2.5%
Work from home	8.6%
Other means	1.5%
Avg commute (minutes)	18.4

Poverty

All people 7.0%

Under 18 years 2.7%

18 and over 8.2%

Married-couple families 0.8%

Female-led households 4.1%

Income support

Source	% of households
Social Security	38.2%
Retirement income	22.9%
Supplemental Security	7.4%
Cash public assistance	4.3%
Food stamps / SNAP	12.2%

Health indicators

Condition	%
Obesity	29.1%
High blood pressure	32.7%
High cholesterol	31.8%
Diabetes	8.7%
Heart disease	6.5%
Stroke	3.0%
Asthma	10.1%
Arthritis	24.3%
Kidney disease	2.9%
Pulmonary disease	7.0%
Cancer	7.1%

Behavior / access	%
Smoking	17.9%
Binge drinking	17.3%
No physical activity	23.4%
Less than 7 hrs sleep	32.1%
Depression	20.4%
Fair or poor health	11.9%
Poor mental health	14.1%
Poor physical health	9.8%
No health insurance	11.3%
Visited doctor (checkup)	77.7%
Visited dentist	66.5%
Cholesterol screening	90.5%
Teeth loss	14.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	676	6.8%

Disability	%
Any disability	15.5%
Under 18	5.3%
18–64 years	15.5%
65 and over	27.0%

Health insurance coverage

Type	%
Private insurance	73.5%
Public insurance	39.5%
No insurance	1.8%
Uninsured under 19	0.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,960	95.0%
Spanish	87	0.7%
Other Indo-European	72	0.6%
Asian & Pacific Islander	0	0.0%
Other languages	15	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,310	97.8%
Born in same state	12,110	96.2%
Born in different state	10,782	85.7%
Foreign born	200	1.6%
Naturalized citizen	276	2.2%
Not a US citizen	217	78.6%

Ancestry

Ancestry	Count	%
Italian	2,193	17.4%
Arab	1,367	10.9%
French	1,252	9.9%
English	717	5.7%

Ancestry	Count	%
German	121	1%
Norwegian	48	0.4%
Dutch	24	0.2%

Technology access

Metric	% of households
Computer access	42.2%
Internet access	93.4%

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

Frequently asked questions about ZIP code 12095

What city is ZIP code 12095 in?

ZIP code 12095 is primarily assigned to Johnstown, New York.

What county is ZIP code 12095 in?

ZIP code 12095 falls within Fulton County, New York.

Does ZIP code 12095 have a large retiree population?

38% of households in ZIP code 12095 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 12095?

The median home value in ZIP code 12095 is $156,000.

What is the population of ZIP code 12095?

ZIP code 12095 has an estimated population of 12,586 residents, with a density of 193 people per square mile.

What is the median household income in ZIP code 12095?

The median household income in ZIP code 12095 is $69,087, below the national median of ~$75,000.

What timezone is ZIP code 12095 in?

ZIP code 12095 observes the EST timezone.