The 12043 ZIP Code is primarily associated with Cobleskill, NY (Schoharie County) in the U.S. The current population estimate is 8,129. Approximately 28.4% of residents in this New York region have a bachelor's degree or higher, and the per capita income is an estimated $26,689. Median househould income is at $55,198, with an estimated 10% of the population living below the poverty line. The median age in ZIP Code 12043 is approximately 35.2 years, and 22.6% of the region's residents are aged 62 years and older.
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In ZIP Code 12043, 91.2% of the population graduated high school, while 28.4% have a bachelor's degree or higher. In this region, 2.4% achieved an education level less than 9th grade, while 12.2% hold a graduate or professional degree. Approximately 31.3% in this Schoharie County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 2.4% |
| 9th to 12th grade, no diploma | 6.4% |
| High school graduate (includes equivalency) | 31.3% |
| Some college, no degree | 17.7% |
| Associate's degree | 13.8% |
| Bachelor's degree | 16.2% |
| Graduate or professional degree | 12.2% |
Residents of ZIP Code 12043 are younger than average. The median age of 35.2 years in ZIP Code 12043 is approximately 7.61% lower than the overall median age in the U.S. of 38.1 years. About 83.6% of residents are aged 18 years and older, and 22.6% of residents are 62 years and over. Approximately 15.2% of the population in 12043 falls in the age group 15 to 19 years, while an estimated 11.1% are aged 20 to 24 years. On the low end of the scale, 2.4% of 12043 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.1% |
| 5 to 9 years | 4.0% |
| 10 to 14 years | 4.7% |
| 15 to 19 years | 15.2% |
| 20 to 24 years | 11.1% |
| 25 to 34 years | 10.9% |
| 35 to 44 years | 8.2% |
| 45 to 54 years | 10.2% |
| 55 to 59 years | 6.9% |
| 60 to 64 years | 6.1% |
| 65 to 74 years | 10.0% |
| 75 to 84 years | 6.3% |
| 85 years and over | 2.4% |
The median household income in ZIP Code 12043 is $55,198, while the region's mean household income is $71,091. Breaking income down further, per capita income in the region is $26,689. The per capita income in ZIP Code 12043 of $26,689 is approximately 32.13% less than the per capita income in the U.S. overall of $39,326. An estimated 9.6% of the population is living below the poverty line in this region. This rate is approximately1.05% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 16.3% of the population in 12043 earn $50,000 to $74,999 per year, while an estimated 15.8% earn $35,000 to $49,999 per year, and 3.3% of 12043 residents earn less than $10,000 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 3.3% |
| $10,000 to $14,999 per year | 6.4% |
| $15,000 to $24,999 per year | 11.8% |
| $25,000 to $34,999 per year | 8.4% |
| $35,000 to $49,999 per year | 15.8% |
| $50,000 to $74,999 per year | 16.3% |
| $75,000 to $99,999 per year | 14.8% |
| $100,000 to $149,999 per year | 13.0% |
| $150,000 to $199,999 per year | 6.5% |
| $200,000 or more per year | 3.8% |
Looking at race in the population that makes up ZIP Code 12043, 98.2% is one race, while 1.8% are two or more races. Approximately 4.2% of 12043 residents are hispanic or Latino (of any race). The most common race in 12043 (race alone or in combination with one or more other races), is White (94.8%), followed by Black or African American (4.0%) .
| Industry | Percent |
|---|---|
| White | 94.8% |
| Black or African American | 4.0% |
| American Indian and Alaska Native | 1.1% |
| Asian | 0.6% |
| Native Hawaiian and Other Pacific Islander | 0.1% |
| Some other race | 1.5% |
In ZIP Code 12043, 94.6% of the population lists "English only" as the language spoken in home, while 2.2% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 2.3% of homes, and other Indo-European languages are spoken in 0.4% of homes. Lastly, 0.5% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Schoharie County region.
| Language Spoken | Percent |
|---|---|
| English only | 94.6% |
| Spanish | 2.2% |
| Other Indo-European languages | 2.3% |
| Asian and Pacific Islander languages | 0.4% |
| Other languages | 0.5% |
Regarding the age of homes in ZIP Code 12043, an estimated 28.5% of homes were built in 1939 or earlier. Additionally, 17.0% of homes in the region were built between 1980 and 1989, while an estimated 0.1% of homes were built in 2014 or later in this Schoharie County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.1% |
| Built between 2010 and 2013 | 1.3% |
| Built between 2000 and 2009 | 8.9% |
| Built between 1990 and 1999 | 10.3% |
| Built between 1980 and 1989 | 17.0% |
| Built between 1970 and 1979 | 12.7% |
| Built between 1960 and 1969 | 7.9% |
| Built between 1950 and 1959 | 7.7% |
| Built between 1940 and 1949 | 5.6% |
| Built in 1939 or earlier | 28.5% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 12043 is current access to health insurance, as an estimated 94.3% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 12043 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 94.3% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 12043 has an average daily solar radiation level of 4.58 kWh/m2/day. This is approximately 11.17% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 30.5% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 12043 | 11.74¢/kWh | 5.99¢/kWh | 4.79¢/kWh |
| New York | 25.01¢/kWh | 20.51¢/kWh | 9.72¢/kWh |
| United States | 16.62¢/kWh | 13.58¢/kWh | 8.81¢/kWh |
| Month | ZIP Code 12043 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.36 | 1.9 | 5.84 |
| Feb | 4.15 | 3 | 6.31 |
| Mar | 4.91 | 3.65 | 7.02 |
| Apr | 5.29 | 5.13 | 7.3 |
| May | 5.21 | 5.17 | 7.13 |
| Jun | 5.59 | 5.72 | 6.95 |
| Jul | 5.88 | 6.22 | 6.51 |
| Aug | 5.7 | 6.08 | 6.65 |
| Sep | 5.18 | 5.15 | 7.02 |
| Oct | 4.05 | 3.32 | 6.92 |
| Nov | 3.23 | 2.33 | 5.99 |
| Dec | 2.39 | 1.78 | 5.46 |
In 12043, 54.0% of the population is in the labor force. Recent estimates place 3.4% as working from home, while the total labor force in the region has a mean travel to time to work of 27.5 minutes. Approximately 30.6% of the employed population 16 years and over in 12043 work in educational services, and health care and social assistance, while an estimated 12.5% work in retail trade. On the lower end of the scale, just 0.8% of 12043 workers 16 years and over work in information.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 4.0% |
| Construction | 6.9% |
| Manufacturing | 7.7% |
| Wholesale trade | 1.0% |
| Retail trade | 12.5% |
| Transportation and warehousing, and utilities | 5.2% |
| Information | 0.8% |
| Finance and insurance, and real estate and rental and leasing | 3.5% |
| Professional, scientific, management, and administrative | 7.7% |
| Educational services, and health care and social assistance | 30.6% |
| Arts, entertainment, and recreation, and accommodation and food services | 9.7% |
| Other services, except public administration | 4.8% |
| Public administration | 5.6% |
Regarding consumer complaints about financial products in ZIP Code 12043, debt collection have received the most complaints in 12043 in the past 12 months. Checking or savings account received the second most complaints. The most frequent complaint overall in this Schoharie County region was attempts to collect debt not owed.
| Complaint Product | Number of Complaints* |
|---|---|
| Debt collection | 5 |
| Checking or savings account | 2 |
| Mortgage | 1 |
| Payday loan, title loan, or personal loan | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Attempts to collect debt not owed | 5 |
| Applying for a mortgage or refinancing an existing mortgage | 1 |
| Charged fees or interest you didn't expect | 1 |
| Closing an account | 1 |
| Opening an account | 1 |