ZIP code 12965

ZIP 12965 is a very small community in St. Lawrence County, New York, with 281 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1565 of 1,824 ranked by population — larger than 14% of them. The median age here is 47.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 12965 earn a median of $63,214 a year, 19.5% below 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 15.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 12965 is valued at $88,600, 70.8% below the national figure, while median gross rent runs $792 a month, 43.7% below the national figure, or roughly $9,504 across a full year. A household on the local median income would put about 15% 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 1.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 84.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

With 281 residents, a handful of survey responses moves every median on this page. Compare ZIP 12965 against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 12965 is tabulated inside St. Lawrence County, New York, one of 45 ZIP areas the Census publishes for that county and 1,826 across New York. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. 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 12965 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 12965 reports a median household income of $63,214, close to the $64,583 county median, and 20% below the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $88,600, 24% below the county figure and 62% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $792 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 12965 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 12965 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.