12565 ZIP Code — Philmont, NY

Columbia County, New York

ZIP code 12565 is located in Philmont, New York, within Columbia County. It covers approximately 1.42 square miles and serves a population of 1,559 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 838.

About ZIP code 12565

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 $172,000. Owner-occupancy sits near the national average at 58%.

Median household income is $60,848. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 12565 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

1,559

population

1.42

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12565 ZIP code map

Cities in ZIP code 12565

Below are the cities the US Postal Service accepts for ZIP code 12565. Using any city not on this list may result in mail delivery delays.

City	Status
Philmont	Preferred

Nearby ZIP codes

12075 Ghent (4.2 mi) 12513 Claverack (4.3 mi) 12521 Craryville (5 mi) 12534 Hudson (5.1 mi) 12529 Hillsdale (5.7 mi) 12037 Chatham (7.5 mi) 12165 Spencertown (7.8 mi) 12106 Kinderhook (10 mi) 12015 Athens (10 mi) 12017 Austerlitz (10.6 mi) 12173 Stuyvesant (10.8 mi) 12516 Copake (11 mi)

Demographics updated 06/2026

Population
Total population	1,559
Population density	1,098 / sq mi
State FIPS	36
County FIPS	021

Geography
Land area	1.42 sq mi
Water area	0.04 sq mi
Latitude	42.2488
Longitude	-73.6409
Timezone	Eastern (ET)
Area code	838

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.9%	36.4%	37.0%
$50k – $100k	39.1%	30.8%	27.0%
$100k – $200k	14.6%	25.3%	24.4%
Over $200k	2.4%	7.4%	11.5%

Demographics & statistics

1,559

Population

1,098

People per sq mi

50.4

Median age

$60,848

Median household income

$28,904

Per capita income

$172,000

Median home value

$921

Median monthly rent

58.3%

Home ownership

13.4%

Poverty rate

8.9%

Unemployment

465

Housing units

30.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

101

25–34

35–44

115

45–54

159

55–59

122

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	313	20.1%
18 and over	1,246	79.9%
65 and over	263	16.9%
Median age	50.4 years

Race & ethnicity

White 83.1%

Black or African American 12.8%

Two or more races 4%

Asian 0.1%

Group	Count	%
White	1,295	83.1%
Black or African American	199	12.8%
Two or more races	63	4%
Asian	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.9%	36.4%	37.0%
$50k – $100k	39.1%	30.8%	27.0%
$100k – $200k	14.6%	25.3%	24.4%
Over $200k	2.4%	7.4%	11.5%

Under $10k 6.8%

$10k–$15k 6.1%

$15k–$25k 9.5%

$25k–$35k 9.8%

$35k–$50k 4.5%

$50k–$75k 23.6%

$75k–$100k 12.7%

$100k–$150k 19.5%

$150k–$200k 5.9%

$200k+ 1.6%

Range	% of households
Under $10k	6.8%
$10k–$15k	6.1%
$15k–$25k	9.5%
$25k–$35k	9.8%
$35k–$50k	4.5%
$50k–$75k	23.6%
$75k–$100k	12.7%
$100k–$150k	19.5%
$150k–$200k	5.9%
$200k+	1.6%
Median income	$60,848

Housing

Home values

Under $50k 4.0%

$50k–$100k 2.5%

$100k–$150k 18.4%

$150k–$200k 35.3%

$200k–$300k 19.9%

$300k–$500k 14.1%

$500k–$1M 1.2%

$1M+ 4.6%

Housing overview

Metric	Value
Median home value	$172,000
Median rent / month	$921
Owner occupied	58.3%
Renter occupied	41.7%
Vacant	19.9%
Single-family detached	51.3%
Large apartment buildings	7.2%
Mobile homes	1.9%
Median rooms	5.9
Avg household size (owned)	2.88

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	1.7%
1990–1999	3.6%
1980–1989	2.7%
1970–1979	7.2%
1960–1969	7.9%
1950–1959	10.6%
1940–1949	1.6%
1939 or earlier	64.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	12.0%
2 bedrooms	27.7%
3 bedrooms	31.4%
4 bedrooms	21.9%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	9.1%
1 vehicle	41.3%
2 vehicles	28.3%
3 or more	21.3%

Heating fuel

Fuel type	%
Utility gas	10.0%
Electricity	21.3%
Propane / LP gas	8.9%
Fuel oil	54.4%
Wood	4.8%

Households & families

Household type	Count	%
Married-couple family	226	40.4%
Cohabiting couple	19	3.4%
Male householder, no spouse	130	23.3%
Female householder, no spouse	184	32.9%
Households with children under 18	171	30.6%
Households with seniors (65+)	142	25.4%
Average household size	2.63

Marital status

Status	Male	Female
Never married	30.5%	36.8%
Married	39.3%	44.7%
Separated	0.0%	3.0%
Widowed	12.6%	11.6%
Divorced	17.6%	3.9%

Education

Less than 9th grade 0.7%

Some HS, no diploma 3.7%

HS graduate 35.0%

Some college, no degree 18.1%

Associate's degree 12.2%

Bachelor's degree 18.8%

Graduate / professional 11.5%

Metric	%
HS diploma or higher	95.6%
Bachelor's or higher	30.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	57	19.0%
Kindergarten	0	0.0%
Elementary school	68	22.7%
High school	71	23.7%
College / grad school	104	34.7%

Employment

Industry of employment

Education & healthcare 22.1%

Arts, food & hospitality 11.5%

Retail trade 10.9%

Construction 10.8%

Manufacturing 9.9%

Transportation & utilities 9.2%

Professional & management 8.9%

Agriculture & mining 6.6%

Public administration 4.0%

Finance & real estate 2.7%

Wholesale trade 2.2%

Information 0.7%

Other services 0.6%

Occupation

Category	%
Management, business & arts	29.7%
Service	16.5%
Sales & office	10.0%
Natural resources & construction	9.0%
Production & transportation	34.7%

Employment type

Type	%
Private sector	78.6%
Government	12.1%
Self-employed	9.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	68.0%
Carpool	21.3%
Public transit	0.0%
Walk	0.0%
Work from home	6.3%
Other means	4.4%
Avg commute (minutes)	22.4

Poverty

All people 13.4%

Under 18 years 24.2%

18 and over 10.7%

Married-couple families 0.0%

Female-led households 40.5%

Income support

Source	% of households
Social Security	32.0%
Retirement income	24.0%
Supplemental Security	5.7%
Cash public assistance	8.4%
Food stamps / SNAP	15.4%

Health indicators

Condition	%
Obesity	30.9%
High blood pressure	28.7%
High cholesterol	30.6%
Diabetes	8.8%
Heart disease	5.9%
Stroke	2.8%
Asthma	10.3%
Arthritis	22.8%
Kidney disease	2.8%
Pulmonary disease	6.8%
Cancer	6.7%

Behavior / access	%
Smoking	17.3%
Binge drinking	17.6%
No physical activity	21.4%
Less than 7 hrs sleep	32.6%
Depression	22.7%
Fair or poor health	11.7%
Poor mental health	14.8%
Poor physical health	9.6%
No health insurance	10.2%
Visited doctor (checkup)	76.5%
Visited dentist	64.4%
Cholesterol screening	90.2%
Teeth loss	13.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	150	12.0%

Disability	%
Any disability	11.2%
Under 18	5.4%
18–64 years	4.0%
65 and over	58.3%

Health insurance coverage

Type	%
Private insurance	50.8%
Public insurance	50.7%
No insurance	7.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,395	89.5%
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)	1,467	94.1%
Born in same state	1,447	92.8%
Born in different state	1,066	68.4%
Foreign born	20	1.3%
Naturalized citizen	92	5.9%
Not a US citizen	52	56.5%

Ancestry

Ancestry	Count	%
French	315	20.2%
Italian	270	17.3%
English	113	7.2%

Ancestry	Count	%
Arab	10	0.6%
Norwegian	5	0.3%
Irish	4	0.3%

Technology access

Metric	% of households
Computer access	35.9%
Internet access	93.2%

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

Frequently asked questions about ZIP code 12565

What city is ZIP code 12565 in?

ZIP code 12565 is primarily assigned to Philmont, New York.

What county is ZIP code 12565 in?

ZIP code 12565 falls within Columbia County, New York.

Does ZIP code 12565 have a large veteran population?

12% of civilians in ZIP code 12565 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 12565?

The median home value in ZIP code 12565 is $172,000.

What is the population of ZIP code 12565?

ZIP code 12565 has an estimated population of 1,559 residents, with a density of 1,101 people per square mile.

What is the median household income in ZIP code 12565?

The median household income in ZIP code 12565 is $60,848, below the national median of ~$75,000.

What timezone is ZIP code 12565 in?

ZIP code 12565 observes the EST timezone.