12123 ZIP Code — Nassau, NY

Rensselaer County, New York

ZIP code 12123 is located in Nassau, New York, within Rensselaer County. It covers approximately 31.77 square miles and serves a population of 4,938 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12123

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 $249,800. Owner-occupancy is high at 82%, well above the national average.

Median household income is $103,611. The poverty rate of 5% is below the national average. 32% 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 25 minutes is near the national average.

Educational attainment is near the national average, with 39% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12123 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,938

population

31.77

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12123 ZIP code map

Cities in ZIP code 12123

Below are the cities the US Postal Service accepts for ZIP code 12123. Using any city not on this list may result in mail delivery delays.

City	Status
Nassau	Preferred

Nearby ZIP codes

12063 East Schodack (2.7 mi) 12024 Brainard (4.3 mi) 12115 Malden Bridge (4.3 mi) 12062 East Nassau (4.6 mi) 12033 Castleton On Hudson (5.4 mi) 12061 East Greenbush (5.8 mi) 12130 Niverville (6.3 mi) 12136 Old Chatham (7.1 mi) 12196 West Sand Lake (7.3 mi) 12156 Schodack Landing (7.7 mi) 12018 Averill Park (8.1 mi) 12184 Valatie (8.7 mi)

Demographics updated 05/2026

Population
Total population	4,938
Population density	155 / sq mi
State FIPS	36
County FIPS	083

Geography
Land area	31.77 sq mi
Water area	0.47 sq mi
Latitude	42.5271
Longitude	-73.5952
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	28.2%	35.2%	37.0%
$50k – $100k	25.6%	31.4%	27.0%
$100k – $200k	32.6%	27.6%	24.4%
Over $200k	13.6%	5.8%	11.5%

Demographics & statistics

4,938

Population

155

People per sq mi

41.5

Median age

$103,611

Median household income

$52,900

Per capita income

$249,800

Median home value

$899

Median monthly rent

82.4%

Home ownership

4.7%

Poverty rate

3.9%

Unemployment

1,980

Housing units

39.3%

Bachelor's or higher

Age distribution

Male Female

178

Under 5

168

122

5–9

116

125

10–14

118

189

15–19

178

102

20–24

346

25–34

327

368

35–44

347

361

45–54

341

140

55–59

133

142

60–64

135

273

65–74

258

180

75–84

169

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,038	21.0%
18 and over	3,900	79.0%
65 and over	905	18.3%
Median age	41.5 years

Race & ethnicity

White 89.9%

Two or more races 5.1%

Hispanic or Latino 3.8%

Other race 0.6%

Black or African American 0.3%

Asian 0.3%

Group	Count	%
White	4,614	89.9%
Two or more races	263	5.1%
Hispanic or Latino	197	3.8%
Other race	31	0.6%
Black or African American	15	0.3%
Asian	15	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.2%	35.2%	37.0%
$50k – $100k	25.6%	31.4%	27.0%
$100k – $200k	32.6%	27.6%	24.4%
Over $200k	13.6%	5.8%	11.5%

Under $10k 1.3%

$10k–$15k 4.1%

$15k–$25k 5.3%

$25k–$35k 7.5%

$35k–$50k 6.5%

$50k–$75k 11.5%

$75k–$100k 10.2%

$100k–$150k 29.5%

$150k–$200k 8.8%

$200k+ 15.2%

Range	% of households
Under $10k	1.3%
$10k–$15k	4.1%
$15k–$25k	5.3%
$25k–$35k	7.5%
$35k–$50k	6.5%
$50k–$75k	11.5%
$75k–$100k	10.2%
$100k–$150k	29.5%
$150k–$200k	8.8%
$200k+	15.2%
Median income	$103,611

Housing

Home values

Under $50k 6.3%

$50k–$100k 2.2%

$100k–$150k 9.8%

$150k–$200k 17.0%

$200k–$300k 26.4%

$300k–$500k 35.0%

$500k–$1M 3.0%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$249,800
Median rent / month	$899
Owner occupied	82.4%
Renter occupied	17.6%
Vacant	10.9%
Single-family detached	75.5%
Large apartment buildings	1.7%
Mobile homes	8.9%
Median rooms	6.1
Avg household size (owned)	2.45

Year built

Era	%
2020 or later	0.0%
2010–2019	7.1%
2000–2009	15.5%
1990–1999	6.4%
1980–1989	10.7%
1970–1979	11.7%
1960–1969	9.0%
1950–1959	7.2%
1940–1949	6.0%
1939 or earlier	26.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	8.0%
2 bedrooms	23.9%
3 bedrooms	49.7%
4 bedrooms	16.2%
5+ bedrooms	2.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.6%
1 vehicle	27.2%
2 vehicles	42.5%
3 or more	23.7%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	17.0%
Propane / LP gas	19.5%
Fuel oil	48.5%
Wood	9.1%

Households & families

Household type	Count	%
Married-couple family	1,140	54.5%
Cohabiting couple	93	4.4%
Male householder, no spouse	469	22.4%
Female householder, no spouse	390	18.6%
Households with children under 18	623	29.8%
Households with seniors (65+)	678	32.4%
Average household size	2.36

Marital status

Status	Male	Female
Never married	32.3%	18.3%
Married	54.7%	60.0%
Separated	0.7%	4.0%
Widowed	2.2%	5.7%
Divorced	10.0%	12.0%

Education

Less than 9th grade 0.9%

Some HS, no diploma 2.5%

HS graduate 23.6%

Some college, no degree 17.2%

Associate's degree 16.5%

Bachelor's degree 25.2%

Graduate / professional 14.1%

Metric	%
HS diploma or higher	96.6%
Bachelor's or higher	39.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	111	11.3%
Kindergarten	82	8.3%
Elementary school	403	40.9%
High school	239	24.2%
College / grad school	151	15.3%

Employment

Industry of employment

Education & healthcare 20.6%

Public administration 13.9%

Professional & management 11.0%

Retail trade 9.2%

Construction 8.9%

Manufacturing 7.0%

Transportation & utilities 6.1%

Finance & real estate 5.1%

Arts, food & hospitality 5.0%

Other services 5.0%

Wholesale trade 3.8%

Information 2.7%

Agriculture & mining 1.7%

Occupation

Category	%
Management, business & arts	46.1%
Service	13.9%
Sales & office	21.8%
Natural resources & construction	6.0%
Production & transportation	12.2%

Employment type

Type	%
Private sector	63.7%
Government	27.1%
Self-employed	8.6%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	82.6%
Carpool	6.2%
Public transit	0.0%
Walk	0.8%
Work from home	10.4%
Other means	0.0%
Avg commute (minutes)	24.8

Poverty

All people 4.7%

Under 18 years 1.7%

18 and over 5.5%

Married-couple families 2.7%

Female-led households 7.3%

Income support

Source	% of households
Social Security	31.6%
Retirement income	27.4%
Supplemental Security	5.6%
Cash public assistance	1.3%
Food stamps / SNAP	6.1%

Health indicators

Condition	%
Obesity	25.3%
High blood pressure	27.9%
High cholesterol	31.2%
Diabetes	7.6%
Heart disease	5.4%
Stroke	2.3%
Asthma	9.7%
Arthritis	21.9%
Kidney disease	2.4%
Pulmonary disease	5.6%
Cancer	6.8%

Behavior / access	%
Smoking	15.1%
Binge drinking	21.1%
No physical activity	19.6%
Less than 7 hrs sleep	33.7%
Depression	21.2%
Fair or poor health	9.4%
Poor mental health	13.3%
Poor physical health	8.2%
No health insurance	8.5%
Visited doctor (checkup)	78.8%
Visited dentist	70.4%
Cholesterol screening	91.9%
Teeth loss	10.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	401	10.3%

Disability	%
Any disability	11.3%
Under 18	2.4%
18–64 years	10.7%
65 and over	23.4%

Health insurance coverage

Type	%
Private insurance	77.8%
Public insurance	38.4%
No insurance	3.8%
Uninsured under 19	6.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,592	93.0%
Spanish	5	0.1%
Other Indo-European	5	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,916	99.6%
Born in same state	4,899	99.2%
Born in different state	3,949	80.0%
Foreign born	17	0.3%
Naturalized citizen	22	0.4%
Not a US citizen	22	100.0%

Ancestry

Ancestry	Count	%
Italian	1,380	27.9%
French	482	9.8%
English	203	4.1%
Arab	198	4%

Ancestry	Count	%
German	51	1%
Dutch	34	0.7%
Polish	18	0.4%
Irish	14	0.3%

Technology access

Metric	% of households
Computer access	42.4%
Internet access	98.7%

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

Frequently asked questions about ZIP code 12123

What city is ZIP code 12123 in?

ZIP code 12123 is primarily assigned to Nassau, New York.

What county is ZIP code 12123 in?

ZIP code 12123 falls within Rensselaer County, New York.

Is ZIP code 12123 mostly owner-occupied?

82% of occupied units in ZIP code 12123 are owner-occupied, well above the national average.

Does ZIP code 12123 have a large veteran population?

10% of civilians in ZIP code 12123 are veterans, above the national average of ~7%.

What is the median household income in ZIP code 12123?

The median household income in ZIP code 12123 is $103,611, above the national median of ~$75,000.

What is the population of ZIP code 12123?

ZIP code 12123 has an estimated population of 4,938 residents, with a density of 155 people per square mile.

What timezone is ZIP code 12123 in?

ZIP code 12123 observes the EST timezone.