12157 ZIP Code — Schoharie, NY

Schoharie County, New York

ZIP code 12157 is located in Schoharie, New York, within Schoharie County. It covers approximately 50.20 square miles and serves a population of 4,574 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12157

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 $196,800. Owner-occupancy is high at 86%, well above the national average.

The gap between median ($72,467) 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. 44% 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 34 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12157 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,574

population

50.20

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12157 ZIP code map

Cities in ZIP code 12157

Below are the cities the US Postal Service accepts for ZIP code 12157. Using any city not on this list may result in mail delivery delays.

City	Status
Schoharie	Preferred

Nearby ZIP codes

12092 Howes Cave (5 mi) 12035 Central Bridge (6.5 mi) 12023 Berne (7.2 mi) 12122 Middleburgh (7.5 mi) 12187 Warnerville (7.6 mi) 12160 Sloansville (7.6 mi) 12066 Esperance (8.2 mi) 12053 Delanson (8.6 mi) 12071 Fultonham (10.8 mi) 12031 Carlisle (11.3 mi) 12059 East Berne (11.7 mi) 12043 Cobleskill (12.1 mi)

Demographics updated 06/2026

Population
Total population	4,574
Population density	91 / sq mi
State FIPS	36
County FIPS	095

Geography
Land area	50.20 sq mi
Water area	0.10 sq mi
Latitude	42.6641
Longitude	-74.2961
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	39.5%	44.9%	37.0%
$50k – $100k	29.7%	31.1%	27.0%
$100k – $200k	23.4%	19.4%	24.4%
Over $200k	7.4%	4.6%	11.5%

Demographics & statistics

4,574

Population

People per sq mi

45.3

Median age

$72,467

Median household income

$39,830

Per capita income

$196,800

Median home value

$888

Median monthly rent

86.2%

Home ownership

7.3%

Poverty rate

4.8%

Unemployment

1,661

Housing units

27.8%

Bachelor's or higher

Age distribution

Male Female

135

Under 5

127

152

5–9

143

132

10–14

125

147

15–19

139

100

20–24

221

25–34

209

273

35–44

258

313

45–54

296

181

55–59

172

129

60–64

123

320

65–74

302

198

75–84

187

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	993	21.7%
18 and over	3,581	78.3%
65 and over	1,104	24.1%
Median age	45.3 years

Race & ethnicity

White 84.9%

Hispanic or Latino 5.8%

Two or more races 5.7%

Asian 1.4%

Black or African American 1.2%

Other race 0.8%

American Indian / Alaska Native 0.1%

Group	Count	%
White	4,125	84.9%
Hispanic or Latino	283	5.8%
Two or more races	277	5.7%
Asian	70	1.4%
Black or African American	56	1.2%
Other race	40	0.8%
American Indian / Alaska Native	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.5%	44.9%	37.0%
$50k – $100k	29.7%	31.1%	27.0%
$100k – $200k	23.4%	19.4%	24.4%
Over $200k	7.4%	4.6%	11.5%

Under $10k 4.8%

$10k–$15k 3.0%

$15k–$25k 8.2%

$25k–$35k 5.4%

$35k–$50k 13.2%

$50k–$75k 19.2%

$75k–$100k 13.4%

$100k–$150k 16.8%

$150k–$200k 7.2%

$200k+ 8.8%

Range	% of households
Under $10k	4.8%
$10k–$15k	3.0%
$15k–$25k	8.2%
$25k–$35k	5.4%
$35k–$50k	13.2%
$50k–$75k	19.2%
$75k–$100k	13.4%
$100k–$150k	16.8%
$150k–$200k	7.2%
$200k+	8.8%
Median income	$72,467

Housing

Home values

Under $50k 7.6%

$50k–$100k 5.9%

$100k–$150k 20.5%

$150k–$200k 17.1%

$200k–$300k 33.0%

$300k–$500k 12.8%

$500k–$1M 2.6%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$196,800
Median rent / month	$888
Owner occupied	86.2%
Renter occupied	13.8%
Vacant	5.8%
Single-family detached	75.2%
Large apartment buildings	3.3%
Mobile homes	12.8%
Median rooms	6.0
Avg household size (owned)	2.54

Year built

Era	%
2020 or later	0.0%
2010–2019	3.1%
2000–2009	13.7%
1990–1999	16.9%
1980–1989	10.6%
1970–1979	15.9%
1960–1969	6.0%
1950–1959	8.1%
1940–1949	1.5%
1939 or earlier	24.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	9.2%
2 bedrooms	19.2%
3 bedrooms	52.2%
4 bedrooms	16.3%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	29.7%
2 vehicles	41.0%
3 or more	23.2%

Heating fuel

Fuel type	%
Utility gas	4.1%
Electricity	9.6%
Propane / LP gas	24.6%
Fuel oil	48.4%
Wood	10.0%

Households & families

Household type	Count	%
Married-couple family	1,052	58.5%
Cohabiting couple	96	5.3%
Male householder, no spouse	252	14.0%
Female householder, no spouse	398	22.1%
Households with children under 18	498	27.7%
Households with seniors (65+)	772	42.9%
Average household size	2.50

Marital status

Status	Male	Female
Never married	32.8%	21.3%
Married	56.0%	58.2%
Separated	0.4%	1.9%
Widowed	1.1%	9.9%
Divorced	9.7%	8.7%

Education

Less than 9th grade 2.5%

Some HS, no diploma 7.1%

HS graduate 34.2%

Some college, no degree 16.9%

Associate's degree 11.5%

Bachelor's degree 10.6%

Graduate / professional 17.1%

Metric	%
HS diploma or higher	90.4%
Bachelor's or higher	27.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	33	4.0%
Kindergarten	117	14.1%
Elementary school	343	41.4%
High school	203	24.5%
College / grad school	132	15.9%

Employment

Industry of employment

Education & healthcare 32.0%

Construction 12.3%

Public administration 7.4%

Retail trade 7.1%

Professional & management 6.8%

Other services 6.2%

Finance & real estate 6.1%

Manufacturing 5.6%

Transportation & utilities 4.9%

Arts, food & hospitality 4.7%

Wholesale trade 4.5%

Agriculture & mining 2.2%

Information 0.2%

Occupation

Category	%
Management, business & arts	43.9%
Service	10.6%
Sales & office	15.3%
Natural resources & construction	16.9%
Production & transportation	13.3%

Employment type

Type	%
Private sector	65.4%
Government	27.2%
Self-employed	7.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.9%
Carpool	9.3%
Public transit	0.1%
Walk	2.3%
Work from home	7.2%
Other means	0.2%
Avg commute (minutes)	34.3

Poverty

All people 7.3%

Under 18 years 8.1%

18 and over 7.1%

Married-couple families 4.4%

Female-led households 10.4%

Income support

Source	% of households
Social Security	43.8%
Retirement income	28.8%
Supplemental Security	5.3%
Cash public assistance	2.6%
Food stamps / SNAP	10.6%

Health indicators

Condition	%
Obesity	34.1%
High blood pressure	32.6%
High cholesterol	34.2%
Diabetes	9.5%
Heart disease	6.8%
Stroke	3.1%
Asthma	10.2%
Arthritis	26.7%
Kidney disease	3.0%
Pulmonary disease	7.5%
Cancer	7.5%

Behavior / access	%
Smoking	17.1%
Binge drinking	17.0%
No physical activity	24.4%
Less than 7 hrs sleep	32.8%
Depression	21.2%
Fair or poor health	12.4%
Poor mental health	14.1%
Poor physical health	10.2%
No health insurance	10.0%
Visited doctor (checkup)	78.8%
Visited dentist	66.4%
Cholesterol screening	91.6%
Teeth loss	13.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	309	8.7%

Disability	%
Any disability	12.6%
Under 18	3.4%
18–64 years	9.0%
65 and over	28.6%

Health insurance coverage

Type	%
Private insurance	76.1%
Public insurance	41.5%
No insurance	3.7%
Uninsured under 19	1.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,312	94.3%
Spanish	13	0.3%
Other Indo-European	2	0.0%
Asian & Pacific Islander	5	0.1%
Other languages	6	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,457	97.4%
Born in same state	4,428	96.8%
Born in different state	3,687	80.6%
Foreign born	29	0.6%
Naturalized citizen	117	2.6%
Not a US citizen	93	79.5%

Ancestry

Ancestry	Count	%
Italian	1,059	23.2%
French	531	11.6%
Arab	111	2.4%
Polish	97	2.1%

Ancestry	Count	%
English	96	2.1%
German	45	1%
Dutch	40	0.9%
Irish	34	0.7%

Technology access

Metric	% of households
Computer access	39.3%
Internet access	93.3%

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

Frequently asked questions about ZIP code 12157

What city is ZIP code 12157 in?

ZIP code 12157 is primarily assigned to Schoharie, New York.

What county is ZIP code 12157 in?

ZIP code 12157 falls within Schoharie County, New York.

Is ZIP code 12157 mostly owner-occupied?

86% of occupied units in ZIP code 12157 are owner-occupied, well above the national average.

Does ZIP code 12157 have a large retiree population?

44% of households in ZIP code 12157 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 12157?

ZIP code 12157 has an estimated population of 4,574 residents, with a density of 91 people per square mile.

What is the typical home value in ZIP code 12157?

The median home value in ZIP code 12157 is $196,800.

What timezone is ZIP code 12157 in?

ZIP code 12157 observes the EST timezone.