12197 ZIP Code — Worcester, NY

Otsego County, New York

ZIP code 12197 is located in Worcester, New York, within Otsego County. It covers approximately 65.18 square miles and serves a population of 1,951 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.

About ZIP code 12197

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 $146,600. Owner-occupancy is high at 92%, well above the national average.

Median household income is $78,750. The poverty rate of 6% is below the national average. 55% 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 26 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12197 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,951
population
65.18
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12197 ZIP code map
Cities in ZIP code 12197

Below are the cities the US Postal Service accepts for ZIP code 12197. Using any city not on this list may result in mail delivery delays.

City Status
Worcester Acceptable
Worcester Preferred
Nearby ZIP codes
12064 East Worcester (3.7 mi) 12036 Charlotteville (4.7 mi) 12155 Schenevus (5.1 mi) 13488 Westford (6.3 mi) 12149 Richmondville (8.5 mi) 12093 Jefferson (9 mi) 12175 Summit (9.1 mi) 13786 Harpersfield (10.4 mi) 13750 Davenport (10.5 mi) 12116 Maryland (10.5 mi) 13326 Cooperstown (12 mi) 13320 Cherry Valley (12.4 mi)
Demographics updated 06/2026
Population
Total population 1,951
Population density 30 / sq mi
State FIPS 36
County FIPS 077
Geography
Land area 65.18 sq mi
Water area 0.37 sq mi
Latitude 42.5996
Longitude -74.7295
Timezone Eastern (ET)
Area code 607
Total population by age
Gender
Race & ethnicity
Economics updated 06/2026
Household income
Income range This ZIP County avg State avg
Under $50k 40.1% 44.3% 37.0%
$50k – $100k 28.2% 33.2% 27.0%
$100k – $200k 28.8% 19.2% 24.4%
Over $200k 2.9% 3.3% 11.5%

Demographics & statistics

1,951
Population
30
People per sq mi
52.3
Median age
$78,750
Median household income
$34,320
Per capita income
$146,600
Median home value
$822
Median monthly rent
91.8%
Home ownership
5.5%
Poverty rate
3.4%
Unemployment
1,146
Housing units
26.5%
Bachelor's or higher

Age distribution

Male Female
37
Under 5
38
26
5–9
27
42
10–14
42
54
15–19
56
68
20–24
69
108
25–34
111
67
35–44
69
109
45–54
111
99
55–59
102
94
60–64
97
128
65–74
130
112
75–84
114
20
85+
21
← Male
Female →

Age summary

GroupCount%
Under 1824812.7%
18 and over1,70387.3%
65 and over52526.9%
Median age52.3 years

Race & ethnicity

White 93.9%
Two or more races 3.2%
Hispanic or Latino 1.7%
American Indian / Alaska Native 0.6%
Black or African American 0.5%
Other race 0.2%
GroupCount%
White1,86393.9%
Two or more races643.2%
Hispanic or Latino331.7%
American Indian / Alaska Native110.6%
Black or African American100.5%
Other race30.2%

Household income

Income range This ZIP County avg State avg
Under $50k 40.1% 44.3% 37.0%
$50k – $100k 28.2% 33.2% 27.0%
$100k – $200k 28.8% 19.2% 24.4%
Over $200k 2.9% 3.3% 11.5%
Under $10k 2.3%
$10k–$15k 4.1%
$15k–$25k 8.0%
$25k–$35k 4.5%
$35k–$50k 14.1%
$50k–$75k 16.0%
$75k–$100k 16.9%
$100k–$150k 27.7%
$150k–$200k 3.5%
$200k+ 2.9%
Range% of households
Under $10k2.3%
$10k–$15k4.1%
$15k–$25k8.0%
$25k–$35k4.5%
$35k–$50k14.1%
$50k–$75k16.0%
$75k–$100k16.9%
$100k–$150k27.7%
$150k–$200k3.5%
$200k+2.9%
Median income$78,750

Housing

Home values

Under $50k 2.5%
$50k–$100k 26.9%
$100k–$150k 22.1%
$150k–$200k 23.2%
$200k–$300k 19.0%
$300k–$500k 4.6%
$500k–$1M 1.6%

Housing overview

MetricValue
Median home value$146,600
Median rent / month$822
Owner occupied91.8%
Renter occupied8.2%
Vacant39.2%
Single-family detached83.7%
Large apartment buildings0.0%
Mobile homes14.0%
Median rooms6.3
Avg household size (owned)2.64

Year built

Era%
2020 or later0.0%
2010–20198.8%
2000–20098.1%
1990–19999.7%
1980–19896.1%
1970–197912.0%
1960–19696.4%
1950–19593.8%
1940–19495.8%
1939 or earlier39.2%

Bedrooms

Size% of units
No bedroom (studio)2.2%
1 bedroom4.9%
2 bedrooms25.4%
3 bedrooms44.8%
4 bedrooms13.1%
5+ bedrooms9.6%

Vehicles per household

Vehicles% of households
No vehicle3.1%
1 vehicle20.1%
2 vehicles49.7%
3 or more27.1%

Heating fuel

Fuel type%
Utility gas4.9%
Electricity4.2%
Propane / LP gas13.5%
Fuel oil43.4%
Wood25.5%
Solar0.8%
No fuel used0.5%

Households & families

Household typeCount%
Married-couple family44360.4%
Cohabiting couple385.2%
Male householder, no spouse11415.6%
Female householder, no spouse13818.8%
Households with children under 1819927.1%
Households with seniors (65+)35949.0%
Average household size2.62

Marital status

StatusMaleFemale
Never married35.1%20.4%
Married56.9%48.2%
Separated1.3%0.0%
Widowed2.8%12.1%
Divorced3.9%19.4%

Education

Less than 9th grade 1.4%
Some HS, no diploma 3.0%
HS graduate 31.4%
Some college, no degree 18.3%
Associate's degree 19.4%
Bachelor's degree 14.4%
Graduate / professional 12.1%
Metric%
HS diploma or higher95.6%
Bachelor's or higher26.5%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool164.7%
Kindergarten92.6%
Elementary school11935.0%
High school10430.6%
College / grad school9227.1%

Employment

Industry of employment

Education & healthcare 27.6%
Retail trade 18.4%
Agriculture & mining 9.7%
Other services 8.9%
Arts, food & hospitality 6.1%
Finance & real estate 5.8%
Public administration 5.8%
Manufacturing 5.7%
Construction 5.1%
Transportation & utilities 2.9%
Professional & management 2.3%
Information 1.3%
Wholesale trade 0.2%

Occupation

Category%
Management, business & arts28.9%
Service23.0%
Sales & office18.0%
Natural resources & construction18.8%
Production & transportation11.3%

Employment type

Type%
Private sector61.1%
Government19.8%
Self-employed19.1%
Unpaid family workers0.0%

Commute

Method%
Drive alone70.0%
Carpool19.1%
Public transit0.0%
Walk3.1%
Work from home7.7%
Other means0.0%
Avg commute (minutes)26.0

Poverty

All people 5.5%
Under 18 years 1.8%
18 and over 6.0%
Married-couple families 2.3%
Female-led households 0.0%

Income support

Source% of households
Social Security55.1%
Retirement income55.8%
Supplemental Security2.9%
Cash public assistance1.0%
Food stamps / SNAP9.1%

Health indicators

Condition%
Obesity32.8%
High blood pressure32.7%
High cholesterol35.5%
Diabetes11.2%
Heart disease7.9%
Stroke3.6%
Asthma10.7%
Arthritis26.2%
Kidney disease3.4%
Pulmonary disease8.4%
Cancer8.2%
Behavior / access%
Smoking18.7%
Binge drinking14.7%
No physical activity22.6%
Less than 7 hrs sleep33.0%
Depression22.1%
Fair or poor health13.8%
Poor mental health13.7%
Poor physical health11.1%
No health insurance10.7%
Visited doctor (checkup)80.4%
Visited dentist62.1%
Cholesterol screening92.0%
Teeth loss15.0%

Veterans & disability

VeteransCount%
Civilian veterans1388.1%
Disability%
Any disability16.6%
Under 184.4%
18–64 years8.6%
65 and over40.4%

Health insurance coverage

Type%
Private insurance72.8%
Public insurance54.1%
No insurance3.2%
Uninsured under 192.6%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,87696.2%
Spanish150.8%
Other Indo-European00.0%
Asian & Pacific Islander30.2%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)1,91698.2%
Born in same state1,90897.8%
Born in different state1,37470.4%
Foreign born80.4%
Naturalized citizen351.8%
Not a US citizen2160.0%

Ancestry

AncestryCount%
Italian37919.4%
French35918.4%
Arab1085.5%
Irish311.6%
AncestryCount%
English241.2%
Polish30.2%
German20.1%
Dutch20.1%

Technology access

Metric% of households
Computer access37.6%
Internet access86.8%

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

Frequently asked questions about ZIP code 12197

What city is ZIP code 12197 in?

ZIP code 12197 is primarily assigned to Worcester, New York.

What county is ZIP code 12197 in?

ZIP code 12197 falls within Otsego County, New York.

Does ZIP code 12197 have a large retiree population?

55% of households in ZIP code 12197 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 12197 mostly owner-occupied?

92% of occupied units in ZIP code 12197 are owner-occupied, well above the national average.

Does ZIP code 12197 have an older population?

27% of residents in ZIP code 12197 are 65 or older, above the national average of ~17%.

What is the typical home value in ZIP code 12197?

The median home value in ZIP code 12197 is $146,600.

What timezone is ZIP code 12197 in?

ZIP code 12197 observes the EST timezone.

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