12187 ZIP Code — Warnerville, NY

Schoharie County, New York

ZIP code 12187 is located in Warnerville, New York, within Schoharie County. It covers approximately 19.45 square miles and serves a population of 701 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518/838.

About ZIP code 12187

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $196,300. Owner-occupancy is high at 84%, well above the national average.

Median household income is $72,083. SNAP benefit usage at 22% of households reflects economic stress in the area. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 27 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12187 reflects a community defined by high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

701

population

19.45

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12187 ZIP code map

Cities in ZIP code 12187

Below are the cities the US Postal Service accepts for ZIP code 12187. Using any city not on this list may result in mail delivery delays.

City	Status
Warnerville	Acceptable
Warnerville	Preferred

Nearby ZIP codes

12071 Fultonham (5.2 mi) 12092 Howes Cave (6.6 mi) 12149 Richmondville (6.8 mi) 12194 West Fulton (7.1 mi) 12043 Cobleskill (7.6 mi) 12157 Schoharie (7.6 mi) 12122 Middleburgh (7.8 mi) 12035 Central Bridge (8.2 mi) 12175 Summit (8.4 mi) 12031 Carlisle (10.2 mi) 12131 North Blenheim (10.5 mi) 12160 Sloansville (10.5 mi)

Demographics updated 06/2026

Population
Total population	701
Population density	36 / sq mi
State FIPS	36
County FIPS	095

Geography
Land area	19.45 sq mi
Water area	0.02 sq mi
Latitude	42.6174
Longitude	-74.4319
Timezone	Eastern (ET)
Area code	518/838

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.9%	44.9%	37.0%
$50k – $100k	51.7%	31.1%	27.0%
$100k – $200k	13.4%	19.4%	24.4%
Over $200k	0.0%	4.6%	11.5%

Demographics & statistics

701

Population

People per sq mi

53.1

Median age

$72,083

Median household income

$36,910

Per capita income

$196,300

Median home value

$771

Median monthly rent

83.7%

Home ownership

15.2%

Poverty rate

9.0%

Unemployment

421

Housing units

22.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	92	13.1%
18 and over	609	86.9%
65 and over	150	21.4%
Median age	53.1 years

Race & ethnicity

White 97.3%

Black or African American 1.3%

Hispanic or Latino 0.7%

Other race 0.7%

Group	Count	%
White	687	97.3%
Black or African American	9	1.3%
Hispanic or Latino	5	0.7%
Other race	5	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.9%	44.9%	37.0%
$50k – $100k	51.7%	31.1%	27.0%
$100k – $200k	13.4%	19.4%	24.4%
Over $200k	0.0%	4.6%	11.5%

Under $10k 16.0%

$10k–$15k 6.8%

$25k–$35k 2.0%

$35k–$50k 9.9%

$50k–$75k 15.6%

$75k–$100k 14.3%

$100k–$150k 13.6%

$150k–$200k 5.1%

$200k+ 16.7%

Range	% of households
Under $10k	16.0%
$10k–$15k	6.8%
$25k–$35k	2.0%
$35k–$50k	9.9%
$50k–$75k	15.6%
$75k–$100k	14.3%
$100k–$150k	13.6%
$150k–$200k	5.1%
$200k+	16.7%
Median income	$72,083

Housing

Home values

$50k–$100k 7.3%

$100k–$150k 18.3%

$150k–$200k 27.6%

$200k–$300k 7.7%

$300k–$500k 39.0%

Housing overview

Metric	Value
Median home value	$196,300
Median rent / month	$771
Owner occupied	83.7%
Renter occupied	16.3%
Vacant	37.3%
Single-family detached	83.6%
Large apartment buildings	0.0%
Mobile homes	6.2%
Median rooms	6.1
Avg household size (owned)	2.63

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	32.6%
1990–1999	4.3%
1980–1989	9.0%
1970–1979	22.4%
1960–1969	2.8%
1950–1959	0.6%
1940–1949	4.3%
1939 or earlier	24.1%

Bedrooms

Size	% of units
No bedroom (studio)	5.1%
1 bedroom	4.7%
2 bedrooms	17.7%
3 bedrooms	45.2%
4 bedrooms	12.8%
5+ bedrooms	14.5%

Vehicles per household

Vehicles	% of households
No vehicle	3.1%
1 vehicle	24.1%
2 vehicles	33.3%
3 or more	39.5%

Heating fuel

Fuel type	%
Utility gas	1.0%
Electricity	7.8%
Propane / LP gas	12.9%
Fuel oil	49.7%
Wood	24.1%
No fuel used	2.0%

Households & families

Household type	Count	%
Married-couple family	125	42.5%
Cohabiting couple	41	13.9%
Male householder, no spouse	55	18.7%
Female householder, no spouse	73	24.8%
Households with children under 18	64	21.8%
Households with seniors (65+)	109	37.1%
Average household size	2.38

Marital status

Status	Male	Female
Never married	29.5%	10.6%
Married	51.8%	54.5%
Separated	0.6%	7.4%
Widowed	0.0%	3.8%
Divorced	18.1%	23.7%

Education

Less than 9th grade 0.6%

Some HS, no diploma 6.1%

HS graduate 12.3%

Some college, no degree 37.2%

Associate's degree 21.8%

Bachelor's degree 6.1%

Graduate / professional 15.9%

Metric	%
HS diploma or higher	93.3%
Bachelor's or higher	22.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	11	11.2%
Elementary school	19	19.4%
High school	35	35.7%
College / grad school	33	33.7%

Employment

Industry of employment

Professional & management 28.0%

Education & healthcare 16.1%

Public administration 15.0%

Construction 14.5%

Retail trade 11.9%

Manufacturing 9.8%

Agriculture & mining 1.6%

Finance & real estate 1.6%

Transportation & utilities 0.8%

Other services 0.8%

Occupation

Category	%
Management, business & arts	47.4%
Service	0.8%
Sales & office	26.7%
Natural resources & construction	17.4%
Production & transportation	7.8%

Employment type

Type	%
Private sector	64.8%
Government	18.7%
Self-employed	15.0%
Unpaid family workers	1.6%

Commute

Method	%
Drive alone	57.3%
Carpool	23.8%
Public transit	0.0%
Walk	1.6%
Work from home	15.8%
Other means	1.6%
Avg commute (minutes)	27.2

Poverty

All people 15.2%

Under 18 years 11.8%

18 and over 15.6%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	35.0%
Retirement income	23.5%
Supplemental Security	1.0%
Cash public assistance	0.0%
Food stamps / SNAP	22.4%

Health indicators

Condition	%
Obesity	35.2%
High blood pressure	34.8%
High cholesterol	34.6%
Diabetes	10.7%
Heart disease	7.9%
Stroke	3.5%
Asthma	10.2%
Arthritis	28.0%
Kidney disease	3.3%
Pulmonary disease	8.4%
Cancer	7.7%

Behavior / access	%
Smoking	18.0%
Binge drinking	16.5%
No physical activity	26.2%
Less than 7 hrs sleep	33.0%
Depression	20.8%
Fair or poor health	14.0%
Poor mental health	14.0%
Poor physical health	11.0%
No health insurance	10.7%
Visited doctor (checkup)	79.1%
Visited dentist	63.6%
Cholesterol screening	91.2%
Teeth loss	14.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	61	10.0%

Disability	%
Any disability	7.3%
Under 18	4.3%
18–64 years	2.4%
65 and over	24.0%

Health insurance coverage

Type	%
Private insurance	73.3%
Public insurance	35.8%
No insurance	7.0%
Uninsured under 19	12.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	680	97.0%
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)	672	95.9%
Born in same state	672	95.9%
Born in different state	594	84.7%
Foreign born	0	0.0%
Naturalized citizen	29	4.1%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	252	35.9%
Italian	92	13.1%
Norwegian	13	1.9%

Ancestry	Count	%
English	9	1.3%
Dutch	6	0.9%
Arab	5	0.7%

Technology access

Metric	% of households
Computer access	41.9%
Internet access	98.0%

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

Frequently asked questions about ZIP code 12187

What city is ZIP code 12187 in?

ZIP code 12187 is primarily assigned to Warnerville, New York.

What county is ZIP code 12187 in?

ZIP code 12187 falls within Schoharie County, New York.

Is ZIP code 12187 mostly owner-occupied?

84% of occupied units in ZIP code 12187 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 12187?

15% of residents in ZIP code 12187 live below the poverty line, above the national average.

Does ZIP code 12187 have a large veteran population?

10% of civilians in ZIP code 12187 are veterans, above the national average of ~7%.

What is the population of ZIP code 12187?

ZIP code 12187 has an estimated population of 701 residents, with a density of 36 people per square mile.

What timezone is ZIP code 12187 in?

ZIP code 12187 observes the EST timezone.