Population & age
- Total population
- 28
- Median age
- 60.5
Cherry Plain, NY (12040)
Rensselaer County · Albany-Schenectady-Troy, NY · Population 28
Fresh.Data current as of Apr 26, 2026
Cherry Plain, NY (ZIP 12040) sits in Rensselaer County within the Albany-Schenectady-Troy metro area. The page draws on 1 federal data feed retrieved Apr 26. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. 4 colleges and universities serve the area, with median in-state tuition of $8,768. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Only 4.4% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New residents arriving here predominantly come from Albany County, NY (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $53,906 and fair market rent of $1,690 for a two-bedroom. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 100.0%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
Income & housing
- Median household income
- $53,906
Education
- Bachelor's degree or higher (age 25+)
- 25.0%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 19(100.0%)
- Renter-occupied
- 0(0.0%)
- Vacant units
- 0
- Built (median)
- 1984
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
Economic wellbeing
- Below poverty line
- 5(17.9%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 19(100.0%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,200
/month
1 Bed
$1,400
/month
2 Bed
$1,690
/month
3 Bed
$2,020
/month
4 Bed
$2,230
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
320
Across 177 permitted buildings. Total construction value: $73.6M.
Single-family
160
50% of total units
Multifamily (2+ unit)
160
50% of total units
Single-family value
$56.0M
construction value
Multifamily value
$17.6M
construction value
Apartment construction (5+ unit buildings) accounts for 41% of new units this year — the area is densifying, not just adding single-family stock.
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Employment & wages
Average annual pay
$78,789
Average weekly wage
$1,515
Total employment
56,791
Total establishments
3,500
That is roughly 20% above the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.4%
That is 0.6 percentage points below the US national unemployment rate of about 4.0%.
Labor force
80,107
Employed
77,346
Unemployed
2,761
Based on Rensselaer County, NY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Albany--Schenectady, NY
Reporting agencies
1
Largest: Capital District Transportation Authority
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federal Disaster Declarations
Federally Declared Disasters
29
Date Range
1973–2021
Most Recent Declaration
HURRICANE HENRI
Hurricane — declared August 22, 2021 (DR-3565)
Incident period: August 21, 2021 – August 24, 2021
Top Incident Types
- Severe Storm10 (34%)
- Hurricane6 (21%)
- Snowstorm5 (17%)
- Biological2 (7%)
- Other2 (7%)
- Other4 (14%)
Individual Assistance
6
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
26
Repair of public facilities & roads
Hazard Mitigation
10
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
49.4°F
39.4° – 59.4°
Annual precipitation
40.7"
Annual snowfall
59.2"
Heating · cooling days
6,357.4 · 720.8
Annual base 65°F
Nearest station: ALBANY AP, NY US, 24.2 miles from the centroid of Cherry Plain, NY (ZIP 12040)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
7,122
That is roughly 1,078 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
14%
of adults self-report
Poor physical health days
4.0
avg per adult per month
Poor mental health days
5.4
avg per adult per month
Uninsured
4.4%
of residents under 65
Primary care MDs
48
per 100,000 residents
Preventable hospital stays
2,247
per 100K Medicare enrollees
Food environment (0-10)
8.5
10 = best access & security
Exercise access
78%
residents near a facility
Flu vaccinated
54%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.4% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Rensselaer data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
23.6% of Rensselaer County, NY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.22
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.87
accepting food benefits
Fast-food restaurants
0.77
per 1,000 residents
Among low-income residents, 4.1% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Rensselaer County, NY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 18 reports
Property crime rate
—
per 100K residents · 146 reports
Homicide
0
Robbery
1
Burglary
14
Vehicle theft
8
County-level data for Rensselaer (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▼−724 people
−202 households • −$54.2M net AGI flow
Moved in
5,987households
8,868 people • $356.8M AGI
Moved out
6,189households
9,592 people • $411.0M AGI
Where new residents came from
- Albany County, NY — 1,588 households
- Saratoga County, NY — 488 households
- Schenectady County, NY — 278 households
- Columbia County, NY — 193 households
- Washington County, NY — 88 households
Where departing residents went
- Albany County, NY — 1,557 households
- Saratoga County, NY — 616 households
- Schenectady County, NY — 273 households
- Columbia County, NY — 98 households
- Washington County, NY — 55 households
Incoming households reported an average AGI of $59,599 versus departing households' $66,413.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in New York
State-level rules that apply to every resident of ZIP 12040. Numbers reflect the most recent published year per source.
Tax rates
Income tax
10.90%
graduated · 8 brackets
Sales tax (combined)
8.54%
State 4.00% · avg local 4.54%
Property tax (effective)
1.92%
Median $3,417/year
Tax burden rank
50 of 50
14.20% of personal income
Paid family leave
Program
Paid Family Leave
Mandatory (private insurance)
Max weeks/year
26
Parental
12wk
Max weekly benefit
$1,229
Replacement: 67% AWW · job protection
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 12040
Nearby ZIPs by distance
12022 (2.8 mi) · 12168 (4 mi) · 12169 (5.2 mi) · 12153 (Averill Park, 5.8 mi) · 01267 (Williamstown, 6.4 mi) · 01237 (7.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Schools in this ZIP
1 school serves this ZIP, including 1 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| BERLIN MIDDLE SCHOOL/HIGH SCHOOL | Public | 6–12 | 375 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Colleges & universities nearby
Colleges in this area
4
Median in-state tuition
$8,768
Median earnings (10 yr)
$45,787
- 4-Year
SUNY College of Agriculture and Technology at Cobleskill
Cobleskill, NY · 12043
- In-state tuition
- $8,768
- Out-of-state tuition
- $18,678
- Acceptance rate
- 84.0%
- Graduation rate
- 41.6%
- Median earnings (10 yr)
- $45,030
- Median student debt
- $16,023
- 2-Year
Fulton-Montgomery Community College
Johnstown, NY · 12095
- In-state tuition
- $6,198
- Out-of-state tuition
- $6,798
- Acceptance rate
- —
- Graduation rate
- 36.5%
- Median earnings (10 yr)
- $39,535
- Median student debt
- $12,125
- 2-Year
Samaritan Hospital School of Nursing
Troy, NY · 12065
- In-state tuition
- $15,358
- Out-of-state tuition
- $15,358
- Acceptance rate
- 100.0%
- Graduation rate
- —
- Median earnings (10 yr)
- $64,383
- Median student debt
- $15,250
- Certificate
Bard College - Coxsackie Correctional Facility
Coxsackie, NY · 12051
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $46,543
- Median student debt
- $24,254
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Cherry Plain, NY (ZIP 12040) sits in Rensselaer County within the Albany-Schenectady-Troy metro area. The page draws on 1 federal data feed retrieved Apr 26. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. 4 colleges and universities serve the area, with median in-state tuition of $8,768. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Only 4.4% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New residents arriving here predominantly come from Albany County, NY (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $53,906 and fair market rent of $1,690 for a two-bedroom. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Both surfaces skew lighter than national averages. That isn’t a verdict — small-area estimates compress real neighborhood-level texture, and a single ZIP reading can miss a district line or a hospital corridor sitting just outside it. Treat this as a starting point for fieldwork, not a conclusion.
Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 12040
How many schools are in ZIP 12040?
1 school serves this ZIP, including 1 public school (NCES CCD, retrieved Apr 26, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 12040 have charter schools?
No charter schools are listed in ZIP 12040 by NCES CCD (retrieved Apr 26, 2026).
Are there high schools in ZIP 12040?
Yes, 1 high school serves this ZIP: Berlin Middle School/High School. (NCES CCD, retrieved Apr 26, 2026).
What is the population of ZIP 12040?
28 people live in ZIP 12040, with a median age of 60.5 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 12040?
$53,906 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 12040 mostly renters or homeowners?
In ZIP 12040, 100.0% of occupied housing units are owner-occupied and 0.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 12040?
In ZIP 12040, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 12040?
17.9% of the population in ZIP 12040 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 12040 have broadband internet?
100.0% of households in ZIP 12040 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How vulnerable is ZIP 12040 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 12040 ranks in the 31th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 12040?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 12040, ranking in the 52th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 12040 experienced?
FEMA has recorded 29 federal disaster declarations affecting ZIP 12040 between 1973–2021 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 12040?
Severe Storm is the most common federally declared disaster type affecting ZIP 12040, accounting for 10 of 29 declarations (34%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 12040?
The most recent FEMA disaster declaration affecting ZIP 12040 was "HURRICANE HENRI" — a hurricane declared in 2021 (DR-3565) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 12040?
4 colleges and universities are listed near ZIP 12040 by the U.S. Department of Education College Scorecard, including Suny College Of Agriculture And Technology At Cobleskill, Fulton-Montgomery Community College, and Samaritan Hospital School Of Nursing (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 12040?
Median in-state tuition across 4 nearby institutions is $8,768 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 12040?
Graduates of nearby colleges earn a median of $45,787 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 12040?
ZIP 12040 has an average annual temperature of 49.4°F and 40.7" of annual precipitation based on the ALBANY AP, NY US weather station 24.1 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 12040 have public transit?
Yes — ZIP 12040 is part of the Albany--Schenectady, NY urbanized area, primarily served by Capital District Transportation Authority (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 12040?
New York has a graduated income tax with a top rate of 10.90%. Combined sales tax: 8.54% (Tax Foundation 2025).
Does New York have paid family leave?
New York runs an active paid family leave program (Paid Family Leave) offering up to 26 weeks of paid leave per year, with a maximum weekly benefit of $1,229 (Bipartisan Policy Center 2026).
What data is available for ZIP 12040?
This page covers school information from NCES CCD (1 school), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (4 institutions), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (29 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
School data retrieved Apr 26, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (29 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 12040
Nearby ZIPs by distance
12022 (2.8 mi) · 12168 (4 mi) · 12169 (5.2 mi) · 12153 (Averill Park, 5.8 mi) · 01267 (Williamstown, 6.4 mi) · 01237 (7.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 12040?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 26, 2026.
Social Vulnerability Index
Overall SVI
31st percentile
Moderate Vulnerability
Based on 1 census tract, population 2
Vulnerability Themes
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.