Population & age
- Total population
- 483
- Median age
- 53.3
ZIP 12069, NY (12069)
Montgomery County · Population 483
Fresh.Data current as of Apr 24, 2026
NY 12069 (ZIP 12069) sits in Montgomery County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.0%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $8,768. FEMA has issued 26 federal disaster declarations affecting this ZIP since 1987 — a high-frequency exposure profile. Only 5.0% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. 38.0% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Fulton County, NY (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $64,762, fair market rent of $1,120 for a two-bedroom, and a low 3.9% poverty rate. 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
- 82.6%
- Black
- 17.4%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
Income & housing
- Median household income
- $64,762
- Median home value
- $139,600
Education
- Bachelor's degree or higher (age 25+)
- 2.7%
Employment
- Unemployment rate
- 16.2%
Housing
- Owner-occupied
- 164(100.0%)
- Renter-occupied
- 0(0.0%)
- Vacant units
- 0
- Built (median)
- 1938
Commute
- Public transit
- 0(0.0%)
- Work from home
- 20(6.9%)
- Avg commute
- 32.0 min
Economic wellbeing
- Below poverty line
- 19(3.9%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 126(76.8%)
- No broadband
- 38(23.2%)
Language & nativity
- Foreign-born
- 26(5.4%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$900
/month
1 Bed
$910
/month
2 Bed
$1,120
/month
3 Bed
$1,400
/month
4 Bed
$1,510
/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
212
Across 58 permitted buildings. Total construction value: $46.4M.
Single-family
44
21% of total units
Multifamily (2+ unit)
168
79% of total units
Single-family value
$10.4M
construction value
Multifamily value
$36.0M
construction value
Apartment construction (5+ unit buildings) accounts for 79% 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
$53,762
Average weekly wage
$1,034
Total employment
19,149
Total establishments
1,248
That is roughly 18% below 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
4.3%
That is 0.3 percentage points above the US national unemployment rate of about 4.0%.
Labor force
22,370
Employed
21,409
Unemployed
961
Based on Montgomery 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.
Federal Disaster Declarations
Federally Declared Disasters
26
Date Range
1987–2021
Most Recent Declaration
HURRICANE HENRI
Hurricane — declared August 22, 2021 (DR-3565)
Incident period: August 21, 2021 – August 24, 2021
Top Incident Types
- Severe Storm11 (42%)
- Hurricane4 (15%)
- Snowstorm3 (12%)
- Flood3 (12%)
- Biological2 (8%)
- Other3 (12%)
Individual Assistance
5
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
25
Repair of public facilities & roads
Hazard Mitigation
12
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
45.6°F
35.4° – 55.8°
Annual precipitation
40.7"
Annual snowfall
53.5"
Heating · cooling days
7,417.7 · 380.8
Annual base 65°F
Nearest station: COBLESKILL 2 ESE, NY US, 21 miles from the centroid of ZIP 12069 (ZIP 12069)
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)
9,219
That is roughly 1,019 years per 100,000 above 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
19%
of adults self-report
Poor physical health days
4.6
avg per adult per month
Poor mental health days
5.6
avg per adult per month
Uninsured
5.0%
of residents under 65
Primary care MDs
52
per 100,000 residents
Preventable hospital stays
2,689
per 100K Medicare enrollees
Food environment (0-10)
6.4
10 = best access & security
Exercise access
54%
residents near a facility
Flu vaccinated
47%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.0% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Montgomery 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
Significant food access concerns
38.0% of Montgomery County, NY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.16
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.11
accepting food benefits
Fast-food restaurants
0.69
per 1,000 residents
Among low-income residents, 18.4% 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 Montgomery 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 · 14 reports
Property crime rate
—
per 100K residents · 231 reports
Homicide
0
Robbery
2
Burglary
23
Vehicle theft
7
County-level data for Montgomery (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)
▼−30 people
−55 households • −$3.0M net AGI flow
Moved in
1,504households
2,588 people • $73.2M AGI
Moved out
1,559households
2,618 people • $76.2M AGI
Where new residents came from
- Fulton County, NY — 289 households
- Schenectady County, NY — 162 households
- Saratoga County, NY — 105 households
- Albany County, NY — 95 households
- Herkimer County, NY — 38 households
Where departing residents went
- Fulton County, NY — 303 households
- Schenectady County, NY — 134 households
- Saratoga County, NY — 102 households
- Albany County, NY — 74 households
- Herkimer County, NY — 51 households
Incoming households reported an average AGI of $48,672 versus departing households' $48,908.
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 12069. 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
For ZIP 12069: Applied to this ZIP's typical home value of $139,600, that works out to roughly $2,680/year in property tax.
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 12069
Nearby ZIPs by distance
12177 (Tribes Hill, 0.5 mi) · 12070 (Fort Johnson, 2.9 mi) · 12010 (Amsterdam, 5.4 mi) · 12072 (Fultonville, 5.7 mi) · 12068 (Tribes Hill, 6.2 mi) · 12086 (Hagaman, 9.3 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
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
34.9%
Tracks close to the 33.0% national rate.
High Blood Pressure
29.3%
2.7pp below the 32.0% national rate.
Depression
21.2%
Tracks close to the 22.0% national rate.
Annual Checkup
77.1%
Tracks close to the 76.0% national rate.
Health Insurance
6.0%
7.0pp below the 13.0% national rate.
Diabetes
8.0%
3.0pp below the 11.0% national rate.
Colleges & 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
NY 12069 (ZIP 12069) sits in Montgomery County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.0%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $8,768. FEMA has issued 26 federal disaster declarations affecting this ZIP since 1987 — a high-frequency exposure profile. Only 5.0% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. 38.0% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Fulton County, NY (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $64,762, fair market rent of $1,120 for a two-bedroom, and a low 3.9% poverty rate. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 21.2%. 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 12069
What is the obesity rate in ZIP 12069?
34.9%, which is 1.9 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 12069?
21.2%, which is 0.8 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 12069?
29.3%, which is 2.7 percentage points below the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 12069?
483 people live in ZIP 12069, with a median age of 53.3 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 12069?
$64,762 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 12069 mostly renters or homeowners?
In ZIP 12069, 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 12069?
In ZIP 12069, 6.9% 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 12069?
3.9% of the population in ZIP 12069 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 12069 have broadband internet?
76.8% of households in ZIP 12069 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How vulnerable is ZIP 12069 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 12069 ranks in the 26th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 12069?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 12069, ranking in the 37th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 12069 experienced?
FEMA has recorded 26 federal disaster declarations affecting ZIP 12069 between 1987–2021 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 12069?
Severe Storm is the most common federally declared disaster type affecting ZIP 12069, accounting for 11 of 26 declarations (42%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 12069?
The most recent FEMA disaster declaration affecting ZIP 12069 was "HURRICANE HENRI" — a hurricane declared in 2021 (DR-3565) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 12069?
4 colleges and universities are listed near ZIP 12069 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 12069?
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 12069?
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 12069?
ZIP 12069 has an average annual temperature of 45.6°F and 40.7" of annual precipitation based on the COBLESKILL 2 ESE, NY US weather station 20.9 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 12069?
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 12069?
This page covers health outcomes from CDC PLACES (40 metrics), 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 (26 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. 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 (26 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). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 12069
Nearby ZIPs by distance
12177 (Tribes Hill, 0.5 mi) · 12070 (Fort Johnson, 2.9 mi) · 12010 (Amsterdam, 5.4 mi) · 12072 (Fultonville, 5.7 mi) · 12068 (Tribes Hill, 6.2 mi) · 12086 (Hagaman, 9.3 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 12069?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
26th percentile
Moderate Vulnerability
Based on 1 census tract, population 16
Vulnerability Themes
Persons with Disability
2
Without HS Diploma
1
Without Health Insurance
1
Adults Age 65+
3
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.