ZIP code 12804

ZIP 12804 is a small city in Warren County, New York, with 28,175 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #232 of 1,824 ranked by population — larger than 87% of them. The median age here is 47.6 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 12804 earn a median of $90,074 a year, 14.7% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 12804 is valued at $284,400, 6.3% below the national figure, while median gross rent runs $1,209 a month, 14% below the national figure, or roughly $14,508 across a full year. A household on the local median income would put about 16.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.2×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 74.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 12804 is tabulated inside Warren County, New York, one of 22 ZIP areas the Census publishes for that county and 1,826 across New York. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 12804 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 12804 reports a median household income of $90,074, 27% above the $70,917 county median, and 13% above the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $284,400, 22% above the county figure and 22% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,209 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New York charges 4% statewide, and local governments overlapping 12804 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 12804 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.