12776 ZIP Code — Roscoe, NY

Sullivan County, New York

ZIP code 12776 is located in Roscoe, New York, within Sullivan County. It covers approximately 115.56 square miles and serves a population of 2,072 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607/845.

About ZIP code 12776

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 $226,900. Owner-occupancy is high at 88%, well above the national average.

The gap between median ($71,905) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 46% 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. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Notable community characteristics include disability rates above the national average at 22%.

Overall, ZIP code 12776 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,072

population

115.56

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12776 ZIP code map

Cities in ZIP code 12776

Below are the cities the US Postal Service accepts for ZIP code 12776. Using any city not on this list may result in mail delivery delays.

City	Status
Roscoe	Preferred

Nearby ZIP codes

12766 North Branch (7.2 mi) 12736 Fremont Center (7.2 mi) 12791 Youngsville (8.3 mi) 12787 White Sulphur Springs (8.7 mi) 12748 Jeffersonville (9.3 mi) 12741 Hankins (9.7 mi) 12760 Long Eddy (9.8 mi) 12758 Livingston Manor (10.4 mi) 12723 Callicoon (10.5 mi) 12745 Hortonville (10.5 mi) 12768 Parksville (11.3 mi) 13756 East Branch (12 mi)

Demographics updated 05/2026

Population
Total population	2,072
Population density	18 / sq mi
State FIPS	36
County FIPS	105

Geography
Land area	115.56 sq mi
Water area	3.29 sq mi
Latitude	41.9133
Longitude	-74.9255
Timezone	Eastern (ET)
Area code	607/845

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.5%	43.2%	37.0%
$50k – $100k	23.0%	29.3%	27.0%
$100k – $200k	27.4%	22.4%	24.4%
Over $200k	6.1%	5.2%	11.5%

Demographics & statistics

2,072

Population

People per sq mi

51.6

Median age

$71,905

Median household income

$37,891

Per capita income

$226,900

Median home value

$1,317

Median monthly rent

87.9%

Home ownership

7.3%

Poverty rate

1.5%

Unemployment

1,827

Housing units

34.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

182

45–54

180

55–59

60–64

235

65–74

234

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	373	18.0%
18 and over	1,699	82.0%
65 and over	617	29.8%
Median age	51.6 years

Race & ethnicity

White 87.2%

Hispanic or Latino 5%

Two or more races 5%

Other race 1.9%

Black or African American 0.7%

Asian 0.3%

Group	Count	%
White	1,901	87.2%
Hispanic or Latino	108	5%
Two or more races	108	5%
Other race	41	1.9%
Black or African American	16	0.7%
Asian	6	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.5%	43.2%	37.0%
$50k – $100k	23.0%	29.3%	27.0%
$100k – $200k	27.4%	22.4%	24.4%
Over $200k	6.1%	5.2%	11.5%

Under $10k 2.0%

$10k–$15k 1.7%

$15k–$25k 7.2%

$25k–$35k 9.2%

$35k–$50k 15.7%

$50k–$75k 14.9%

$75k–$100k 16.6%

$100k–$150k 12.6%

$150k–$200k 7.1%

$200k+ 13.0%

Range	% of households
Under $10k	2.0%
$10k–$15k	1.7%
$15k–$25k	7.2%
$25k–$35k	9.2%
$35k–$50k	15.7%
$50k–$75k	14.9%
$75k–$100k	16.6%
$100k–$150k	12.6%
$150k–$200k	7.1%
$200k+	13.0%
Median income	$71,905

Housing

Home values

Under $50k 4.3%

$50k–$100k 15.9%

$100k–$150k 15.3%

$150k–$200k 6.1%

$200k–$300k 28.6%

$300k–$500k 18.6%

$500k–$1M 10.6%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$226,900
Median rent / month	$1,317
Owner occupied	87.9%
Renter occupied	12.1%
Vacant	60.4%
Single-family detached	81.7%
Large apartment buildings	0.0%
Mobile homes	15.4%
Median rooms	6.2
Avg household size (owned)	2.42

Year built

Era	%
2020 or later	0.0%
2010–2019	3.5%
2000–2009	7.6%
1990–1999	9.6%
1980–1989	20.6%
1970–1979	10.8%
1960–1969	8.2%
1950–1959	7.1%
1940–1949	5.1%
1939 or earlier	27.5%

Bedrooms

Size	% of units
No bedroom (studio)	4.2%
1 bedroom	4.4%
2 bedrooms	24.9%
3 bedrooms	36.8%
4 bedrooms	24.6%
5+ bedrooms	5.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	27.8%
2 vehicles	54.1%
3 or more	18.2%

Heating fuel

Fuel type	%
Utility gas	6.1%
Electricity	17.4%
Propane / LP gas	10.9%
Fuel oil	49.2%
Wood	13.6%

Households & families

Household type	Count	%
Married-couple family	521	68.6%
Cohabiting couple	52	6.8%
Male householder, no spouse	97	12.8%
Female householder, no spouse	90	11.8%
Households with children under 18	202	26.6%
Households with seniors (65+)	345	45.4%
Average household size	2.60

Marital status

Status	Male	Female
Never married	27.8%	18.0%
Married	59.4%	64.6%
Separated	2.6%	0.0%
Widowed	6.8%	2.7%
Divorced	3.4%	14.7%

Education

Less than 9th grade 3.8%

Some HS, no diploma 6.4%

HS graduate 28.6%

Some college, no degree 17.2%

Associate's degree 9.8%

Bachelor's degree 19.9%

Graduate / professional 14.3%

Metric	%
HS diploma or higher	89.8%
Bachelor's or higher	34.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	33	7.7%
Kindergarten	10	2.3%
Elementary school	152	35.6%
High school	170	39.8%
College / grad school	62	14.5%

Employment

Industry of employment

Education & healthcare 26.3%

Arts, food & hospitality 11.6%

Public administration 10.1%

Manufacturing 10.0%

Construction 9.3%

Professional & management 9.1%

Retail trade 8.3%

Wholesale trade 4.9%

Other services 4.9%

Information 3.5%

Finance & real estate 0.8%

Agriculture & mining 0.7%

Transportation & utilities 0.4%

Occupation

Category	%
Management, business & arts	36.4%
Service	19.5%
Sales & office	26.6%
Natural resources & construction	9.9%
Production & transportation	7.5%

Employment type

Type	%
Private sector	65.4%
Government	26.5%
Self-employed	8.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.6%
Carpool	16.7%
Public transit	1.6%
Walk	2.2%
Work from home	7.1%
Other means	0.9%
Avg commute (minutes)	35.8

Poverty

All people 7.3%

Under 18 years 8.6%

18 and over 6.9%

Married-couple families 6.7%

Female-led households 0.0%

Income support

Source	% of households
Social Security	45.8%
Retirement income	39.1%
Supplemental Security	1.8%
Cash public assistance	0.8%
Food stamps / SNAP	2.2%

Health indicators

Condition	%
Obesity	30.8%
High blood pressure	35.5%
High cholesterol	37.6%
Diabetes	10.7%
Heart disease	8.1%
Stroke	3.7%
Asthma	9.8%
Arthritis	28.9%
Kidney disease	3.5%
Pulmonary disease	8.3%
Cancer	8.7%

Behavior / access	%
Smoking	17.1%
Binge drinking	15.6%
No physical activity	24.7%
Less than 7 hrs sleep	32.8%
Depression	19.8%
Fair or poor health	13.7%
Poor mental health	13.0%
Poor physical health	10.7%
No health insurance	10.8%
Visited doctor (checkup)	78.7%
Visited dentist	65.8%
Cholesterol screening	92.6%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	143	8.4%

Disability	%
Any disability	22.4%
Under 18	0.0%
18–64 years	16.3%
65 and over	48.8%

Health insurance coverage

Type	%
Private insurance	65.7%
Public insurance	56.7%
No insurance	0.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,024	97.7%
Spanish	28	1.4%
Other Indo-European	15	0.7%
Asian & Pacific Islander	7	0.3%
Other languages	6	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,023	97.6%
Born in same state	2,012	97.1%
Born in different state	1,396	67.4%
Foreign born	11	0.5%
Naturalized citizen	49	2.4%
Not a US citizen	45	91.8%

Ancestry

Ancestry	Count	%
French	501	24.2%
Italian	350	16.9%
Arab	144	6.9%

Ancestry	Count	%
English	119	5.7%
Polish	20	1%
Irish	6	0.3%

Technology access

Metric	% of households
Computer access	36.7%
Internet access	92.1%

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

Frequently asked questions about ZIP code 12776

What city is ZIP code 12776 in?

ZIP code 12776 is primarily assigned to Roscoe, New York.

What county is ZIP code 12776 in?

ZIP code 12776 falls within Sullivan County, New York.

Does ZIP code 12776 have an older population?

30% of residents in ZIP code 12776 are 65 or older, above the national average of ~17%.

Is ZIP code 12776 mostly owner-occupied?

88% of occupied units in ZIP code 12776 are owner-occupied, well above the national average.

Does ZIP code 12776 have a large retiree population?

46% of households in ZIP code 12776 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 12776?

ZIP code 12776 has an estimated population of 2,072 residents, with a density of 18 people per square mile.

What timezone is ZIP code 12776 in?

ZIP code 12776 observes the EST timezone.