12957 ZIP Code — Moira, NY

Franklin County, New York

ZIP code 12957 is located in Moira, New York, within Franklin County. It covers approximately 35.38 square miles and serves a population of 1,647 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12957

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $107,400. Owner-occupancy sits near the national average at 56%.

Median household income is $48,469. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 25% of households reflects economic stress in the area. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

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

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 12957 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,647

population

35.38

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12957 ZIP code map

Cities in ZIP code 12957

Below are the cities the US Postal Service accepts for ZIP code 12957. Using any city not on this list may result in mail delivery delays.

City	Status
Moira	Acceptable
Moira	Preferred

Nearby ZIP codes

12916 Brushton (3 mi) 12914 Bombay (5.8 mi) 12937 Fort Covington (7.4 mi) 12967 North Lawrence (7.9 mi) 12966 North Bangor (8.1 mi) 13613 Brasher Falls (8.4 mi) 12930 Dickinson Center (8.4 mi) 13655 Hogansburg (9.5 mi) 12965 Nicholville (10.3 mi) 13697 Winthrop (12.5 mi) 12926 Constable (13.4 mi) 13662 Massena (17.4 mi)

Demographics updated 06/2026

Population
Total population	1,647
Population density	47 / sq mi
State FIPS	36
County FIPS	033

Geography
Land area	35.38 sq mi
Water area	0.00 sq mi
Latitude	44.8511
Longitude	-74.5717
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	55.9%	46.8%	37.0%
$50k – $100k	30.6%	32.0%	27.0%
$100k – $200k	13.5%	17.5%	24.4%
Over $200k	0.0%	3.8%	11.5%

Demographics & statistics

1,647

Population

People per sq mi

45.0

Median age

$48,469

Median household income

$24,860

Per capita income

$107,400

Median home value

$681

Median monthly rent

55.9%

Home ownership

21.9%

Poverty rate

11.8%

Unemployment

517

Housing units

24.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

112

5–9

10–14

15–19

20–24

134

25–34

109

35–44

114

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	376	22.8%
18 and over	1,271	77.2%
65 and over	391	23.7%
Median age	45.0 years

Race & ethnicity

White 99.3%

Two or more races 0.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,636	99.3%
Two or more races	10	0.6%
American Indian / Alaska Native	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.9%	46.8%	37.0%
$50k – $100k	30.6%	32.0%	27.0%
$100k – $200k	13.5%	17.5%	24.4%
Over $200k	0.0%	3.8%	11.5%

Under $10k 7.1%

$10k–$15k 1.7%

$15k–$25k 30.7%

$25k–$35k 5.4%

$35k–$50k 9.0%

$50k–$75k 22.8%

$75k–$100k 11.3%

$100k–$150k 9.0%

$150k–$200k 3.0%

Range	% of households
Under $10k	7.1%
$10k–$15k	1.7%
$15k–$25k	30.7%
$25k–$35k	5.4%
$35k–$50k	9.0%
$50k–$75k	22.8%
$75k–$100k	11.3%
$100k–$150k	9.0%
$150k–$200k	3.0%
Median income	$48,469

Housing

Home values

Under $50k 9.9%

$50k–$100k 37.8%

$100k–$150k 9.9%

$150k–$200k 14.5%

$200k–$300k 11.3%

$300k–$500k 5.3%

$500k–$1M 6.5%

$1M+ 4.8%

Housing overview

Metric	Value
Median home value	$107,400
Median rent / month	$681
Owner occupied	55.9%
Renter occupied	44.1%
Vacant	9.7%
Single-family detached	53.2%
Large apartment buildings	0.0%
Mobile homes	30.0%
Median rooms	5.0
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.0%
2010–2019	1.4%
2000–2009	7.0%
1990–1999	19.6%
1980–1989	17.5%
1970–1979	13.3%
1960–1969	2.3%
1950–1959	4.0%
1940–1949	2.0%
1939 or earlier	33.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	18.2%
2 bedrooms	19.3%
3 bedrooms	47.5%
4 bedrooms	11.1%
5+ bedrooms	4.0%

Vehicles per household

Vehicles	% of households
No vehicle	19.8%
1 vehicle	22.2%
2 vehicles	42.4%
3 or more	15.6%

Heating fuel

Fuel type	%
Utility gas	9.5%
Electricity	18.6%
Propane / LP gas	3.0%
Fuel oil	47.6%
Wood	21.4%

Households & families

Household type	Count	%
Married-couple family	231	29.8%
Cohabiting couple	167	21.5%
Male householder, no spouse	156	20.1%
Female householder, no spouse	222	28.6%
Households with children under 18	218	28.1%
Households with seniors (65+)	359	46.3%
Average household size	2.12

Marital status

Status	Male	Female
Never married	28.5%	15.2%
Married	39.4%	37.6%
Separated	0.5%	10.4%
Widowed	4.0%	25.3%
Divorced	27.7%	11.5%

Education

Less than 9th grade 1.9%

Some HS, no diploma 18.1%

HS graduate 47.0%

Some college, no degree 8.2%

Associate's degree 0.6%

Bachelor's degree 3.2%

Graduate / professional 21.0%

Metric	%
HS diploma or higher	80.0%
Bachelor's or higher	24.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	20	5.4%
Kindergarten	57	15.4%
Elementary school	216	58.2%
High school	38	10.2%
College / grad school	40	10.8%

Employment

Industry of employment

Education & healthcare 38.7%

Transportation & utilities 13.7%

Retail trade 13.1%

Wholesale trade 8.0%

Other services 7.6%

Construction 5.1%

Finance & real estate 3.1%

Public administration 2.8%

Professional & management 2.5%

Manufacturing 2.3%

Agriculture & mining 1.9%

Arts, food & hospitality 1.2%

Occupation

Category	%
Management, business & arts	32.7%
Service	15.4%
Sales & office	37.0%
Natural resources & construction	4.2%
Production & transportation	10.6%

Employment type

Type	%
Private sector	53.2%
Government	29.9%
Self-employed	12.5%
Unpaid family workers	4.3%

Commute

Method	%
Drive alone	95.0%
Carpool	1.9%
Public transit	0.0%
Walk	0.0%
Work from home	0.8%
Other means	2.2%
Avg commute (minutes)	23.1

Poverty

All people 21.9%

Under 18 years 27.6%

18 and over 20.2%

Married-couple families 10.8%

Female-led households 53.2%

Income support

Source	% of households
Social Security	45.9%
Retirement income	33.2%
Supplemental Security	6.1%
Cash public assistance	13.0%
Food stamps / SNAP	25.4%

Health indicators

Condition	%
Obesity	37.8%
High blood pressure	35.3%
High cholesterol	34.3%
Diabetes	11.0%
Heart disease	7.1%
Stroke	3.5%
Asthma	11.1%
Arthritis	26.5%
Kidney disease	3.2%
Pulmonary disease	9.0%
Cancer	6.7%

Behavior / access	%
Smoking	22.5%
Binge drinking	17.6%
No physical activity	29.3%
Less than 7 hrs sleep	34.2%
Depression	22.9%
Fair or poor health	15.7%
Poor mental health	16.2%
Poor physical health	11.9%
No health insurance	12.3%
Visited doctor (checkup)	78.5%
Visited dentist	58.4%
Cholesterol screening	89.3%
Teeth loss	17.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	95	7.5%

Disability	%
Any disability	18.3%
Under 18	6.1%
18–64 years	8.4%
65 and over	52.4%

Health insurance coverage

Type	%
Private insurance	63.0%
Public insurance	53.5%
No insurance	3.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,590	96.5%
Spanish	3	0.2%
Other Indo-European	0	0.0%
Asian & Pacific Islander	3	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,626	98.7%
Born in same state	1,623	98.5%
Born in different state	1,307	79.4%
Foreign born	3	0.2%
Naturalized citizen	21	1.3%
Not a US citizen	18	85.7%

Ancestry

Ancestry	Count	%
Italian	348	21.1%
French	331	20.1%
German	121	7.3%

Ancestry	Count	%
Arab	120	7.3%
English	42	2.6%
Norwegian	13	0.8%

Technology access

Metric	% of households
Computer access	47.1%
Internet access	74.7%

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

Frequently asked questions about ZIP code 12957

What city is ZIP code 12957 in?

ZIP code 12957 is primarily assigned to Moira, New York.

What county is ZIP code 12957 in?

ZIP code 12957 falls within Franklin County, New York.

What is the poverty rate in ZIP code 12957?

22% of residents in ZIP code 12957 live below the poverty line, above the national average.

Does ZIP code 12957 have a large retiree population?

46% of households in ZIP code 12957 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 12957?

The median home value in ZIP code 12957 is $107,400.

What is the population of ZIP code 12957?

ZIP code 12957 has an estimated population of 1,647 residents, with a density of 47 people per square mile.

What timezone is ZIP code 12957 in?

ZIP code 12957 observes the EST timezone.