Caroga Lake ZIP Codes — Fulton County, NY

There is one unique ZIP code in Caroga Lake, New York and it is 12032. Area code: 518.

ZIP codes

93.60

sq mi land

4.48

sq mi water

518

area code

Caroga Lake, NY ZIP code map

About Caroga Lake, NY

Caroga Lake is a charming town located in Fulton County, New York. Known for its beautiful natural landscapes and serene lake views, Caroga Lake offers a peaceful retreat for those seeking respite from urban life. The town provides a unique blend of outdoor activities and small-town charm, making it an attractive destination for visitors and residents alike.

Location & geography

Situated in the picturesque Adirondack region, Caroga Lake is approximately 15 miles southwest of the city of Gloversville. The town covers a total area of 93.60 square miles, including 4.48 square miles of water, which encompasses the beautiful Caroga Lake itself. The surrounding terrain is predominantly hilly and wooded, offering a variety of outdoor recreational opportunities for residents and visitors.

Community & economy

Caroga Lake boasts a tight-knit community characterized by friendly residents who take pride in their town's natural beauty. The local economy is primarily driven by tourism, with many visitors coming for activities like fishing, boating, and hiking in the nearby Adirondack Mountains. Daily life in Caroga Lake revolves around enjoying nature and community events, making it a welcoming place for families and individuals.

Transportation

Caroga Lake is accessible via several major roadways, including New York State Route 10, which runs through the area and connects to other regional highways. The nearest major airport is the Albany International Airport, located approximately 55 miles to the southeast, providing convenient access for air travel. Local transportation options are limited, so most residents rely on personal vehicles for travel.

History

Founded in the early 19th century, Caroga Lake has a rich history tied to the development of the Adirondack region. Historically, industries such as logging and tourism have played vital roles in shaping the town, with the natural beauty of the area attracting visitors since the late 1800s. Notable events in town history include the establishment of summer camps and resorts that continue to thrive today.

Did you know?

Caroga Lake is home to the unique Caroga Lake Music Festival, which brings together talented musicians and artists from various backgrounds every summer. A lesser-known fact is that Caroga Lake's local beaches and parks provide excellent recreational opportunities that draw both locals and tourists alike during the warmer months.

ZIP codes for Caroga Lake, NY (1)

ZIP code	City	County	Map
12032	Caroga Lake	Fulton	View map

Demographics & statistics

737

Population

51.1

Median age

$55,000

Median household income

$32,143

Per capita income

$159,500

Median home value

Median monthly rent

96.5%

Home ownership

5.6%

Poverty rate

1.6%

Unemployment

1,315

Housing units

17.2%

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

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	82	11.1%
18 and over	655	88.9%
65 and over	232	31.5%
Median age	51.1 years

Race & ethnicity

White 98.8%

Two or more races 1.2%

Group	Count	%
White	728	98.8%
Two or more races	9	1.2%

Household income

$10k–$15k 2.8%

$15k–$25k 17.9%

$25k–$35k 11.3%

$35k–$50k 4.7%

$50k–$75k 21.7%

$75k–$100k 11.3%

$100k–$150k 21.1%

$150k–$200k 9.1%

Range	% of households
$10k–$15k	2.8%
$15k–$25k	17.9%
$25k–$35k	11.3%
$35k–$50k	4.7%
$50k–$75k	21.7%
$75k–$100k	11.3%
$100k–$150k	21.1%
$150k–$200k	9.1%
Median income	$55,000

Housing

Home values

Under $50k 9.1%

$50k–$100k 16.6%

$100k–$150k 15.6%

$150k–$200k 22.8%

$200k–$300k 19.5%

$300k–$500k 16.3%

Housing overview

Metric	Value
Median home value	$159,500
Median rent / month	$0
Owner occupied	96.5%
Renter occupied	3.5%
Vacant	76.0%
Single-family detached	92.6%
Large apartment buildings	0.0%
Mobile homes	7.4%
Median rooms	4.6
Avg household size (owned)	2.30

Year built

Era	%
2020 or later	0.0%
2010–2019	2.0%
2000–2009	11.2%
1990–1999	6.1%
1980–1989	3.2%
1970–1979	4.6%
1960–1969	11.2%
1950–1959	9.3%
1940–1949	17.1%
1939 or earlier	35.4%

Bedrooms

Size	% of units
No bedroom (studio)	2.3%
1 bedroom	4.8%
2 bedrooms	25.1%
3 bedrooms	48.0%
4 bedrooms	16.6%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	44.3%
2 vehicles	43.7%
3 or more	7.2%

Heating fuel

Fuel type	%
Utility gas	5.0%
Propane / LP gas	40.6%
Fuel oil	32.7%
Wood	17.0%

Households & families

Household type	Count	%
Married-couple family	152	47.8%
Cohabiting couple	36	11.3%
Male householder, no spouse	45	14.2%
Female householder, no spouse	85	26.7%
Households with children under 18	58	18.2%
Households with seniors (65+)	164	51.6%
Average household size	2.32

Marital status

Status	Male	Female
Never married	31.7%	19.8%
Married	53.0%	38.9%
Separated	0.0%	5.2%
Widowed	3.0%	30.8%
Divorced	12.3%	5.2%

Education

Less than 9th grade 0.0%

Some HS, no diploma 9.4%

HS graduate 48.3%

Some college, no degree 5.6%

Associate's degree 19.6%

Bachelor's degree 8.2%

Graduate / professional 9.0%

Metric	%
HS diploma or higher	90.6%
Bachelor's or higher	17.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	5	6.0%
Kindergarten	0	0.0%
Elementary school	32	38.6%
High school	28	33.7%
College / grad school	18	21.7%

Employment

Industry of employment

Education & healthcare 41.0%

Construction 11.9%

Transportation & utilities 10.5%

Retail trade 10.2%

Arts, food & hospitality 6.4%

Public administration 5.8%

Other services 5.3%

Manufacturing 4.4%

Professional & management 4.4%

Occupation

Category	%
Management, business & arts	27.4%
Service	22.4%
Sales & office	20.8%
Natural resources & construction	9.1%
Production & transportation	20.2%

Employment type

Type	%
Private sector	69.0%
Government	25.5%
Self-employed	5.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.9%
Carpool	8.9%
Public transit	0.0%
Walk	0.0%
Other means	0.0%
Avg commute (minutes)	32.7

Poverty

All people 5.6%

Under 18 years 2.5%

18 and over 6.0%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	57.5%
Retirement income	20.1%
Supplemental Security	4.7%
Cash public assistance	0.9%
Food stamps / SNAP	11.9%

Health indicators

Condition	%
High blood pressure	35.6%
High cholesterol	35.6%
Heart disease	7.2%
Stroke	3.2%
Asthma	10.1%
Arthritis	26.5%
Kidney disease	3.0%
Pulmonary disease	8.0%
Cancer	7.4%

Behavior / access	%
Binge drinking	16.6%
No physical activity	23.7%
Less than 7 hrs sleep	32.0%
Fair or poor health	12.7%
Poor mental health	13.7%
Poor physical health	10.6%
No health insurance	10.4%
Visited doctor (checkup)	78.5%
Visited dentist	66.8%
Cholesterol screening	92.1%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	0	0.0%

Disability	%
Any disability	9.8%
Under 18	7.3%
18–64 years	6.6%
65 and over	16.4%

Health insurance coverage

Type	%
Private insurance	67.7%
Public insurance	53.5%
Uninsured under 19	17.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	715	97.0%
Spanish	4	0.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	4	0.6%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	733	99.5%
Born in same state	733	99.5%
Born in different state	671	91.0%
Foreign born	0	0.0%
Naturalized citizen	4	0.5%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	300	40.7%
Italian	119	16.1%
English	44	6%

Ancestry	Count	%
French	30	4.1%
German	21	2.8%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	86.5%

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

Frequently asked questions

What ZIP codes does Caroga Lake, NY have?

Caroga Lake, NY has one ZIP code: 12032. Each ZIP code serves a distinct delivery area within the city and surrounding region.