ZIP Code Tabulation Area

12726

Cochecton, NY · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
1,168
Median household income
$77,149
People below poverty
10.2%
Median home value
$377,000

Income

The median income of households in 12726 was $77,149. An estimated 5.1% of households had income below $10,000 a year and 11.7% had income of $200,000 or more.

Household Income in 12726 in 2020-2024

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Percent
Less than $10,000 5.1
$10,000 to $14,999 5.3
$15,000 to $24,999 9.6
$25,000 to $34,999 4.2
$35,000 to $49,999 7.3
$50,000 to $74,999 6
$75,000 to $99,999 19.8
$100,000 to $149,999 21.4
$150,000 to $199,999 9.6
$200,000 or more 11.7

Median Earnings for Full-Time Year-Round Workers by Sex in 12726 in 2020-2024

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Dollars
Male 80469
Female 42083

An estimated 71% of households received earnings. An estimated 40.4% of households received Social Security and an estimated 23 % of households received retirement income other than Social Security. The average income from Social Security was $25,000. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 12726 in 2020-2024

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Percent
Earnings 71
Social Security 40.4
Retirement income 23
Supplemental Security Income (SSI) 1.4
Cash public assistance income 0.9

Poverty and Participation in Government Programs

In 2020-2024, 10.2 % of people were in poverty. An estimated 9.4% of children under 18 were below the poverty level, compared with 12.2% of people 65 years old and over. An estimated 9.1% of people 18 to 64 years were below the poverty level.

Poverty Rates in 12726 in 2020-2024

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Percent
People in poverty 10.2
Children under 18 years below poverty 9.4
People 65 years old and over below poverty 12.2
People 18 to 64 years below poverty 9.1

In 2020-2024, 6.2 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 85.7% of households that received SNAP had children under 18, and 14.3% of households that received SNAP had one or more people 60 years and over. An estimated 5.7% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 12726 in 2020-2024, 96.1% had health insurance coverage and 3.9% did not have health insurance coverage. Private coverage was 78.9% and public coverage was 47.7%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 3.7%.


In 2020-2024, 12726 had a total population of 1,168 - 492 (42.1%) females and 676 (57.9%) males. The median age was 51.8 years. An estimated 18.2% of the population was under 18 years, 23% was 19 to 44 years, 26.5% was 45 to 64 years, and 32.2 % was 65 years and older.

Population by Age and Sex for 12726 in 2020-2024

Male Female
Under 5 57 4
5 to 9 39 16
10 to 14 9 31
15 to 19 21 37
20 to 24 8 4
25 to 29 32 38
30 to 34 14 33
35 to 39 48 23
40 to 44 33 36
45 to 49 63 22
50 to 54 32 18
55 to 59 53 35
60 to 64 46 40
65 to 69 124 31
70 to 74 33 49
75 to 79 22 30
80 to 84 18 32
85 and over 24 13

Hispanic Origin and Race

For people reporting one race alone, 93.8% were White; 0.7% were Black or African American; 10.6% were American Indian and Alaska Native; 0.4% were Asian; 0.7% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 2.7% reported Two or More Races. An estimated 3.6% of the people in 12726 were Hispanic or Latino. An estimated 93.3% of the people in 12726 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 565 households in 12726. The average household size was 2.05 people.

Married-couple households made up 40% of the households in 12726 while cohabiting couple households made up 12% of households. Female householders with no spouse or partner present were 15.6% of all households, while 32.4% of households had male householders with no spouse or partner present. Some households had one person, as 26.2% of households were male householders living alone, and 13.6% were female householders living alone, for a total of 39.8% of all households.

In 12726, 26.7% of all households had one or more people under the age of 18; 51.2% of all households had one or more people 65 years and over.

Types of Households in 12726 in 2020-2024

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Percent
Married-couple households 40
Cohabiting Couples 12
Male Householder
No spouse/partner present
32.4
Female Householder
No spouse/partner present
15.6

Marital Status

Among persons 15 and older, 43.6% of males and 51.2% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 18.6 29.7
Now married, except separated 43.6 51.2
Separated 1.9 1.1
Widowed 7 12
Divorced 28.9 5.9

Grandparents and Grandchildren

In 12726, 15 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 0% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 95.2% of the people living in 12726 were U.S. natives. 62.6% of the 12726 population were living in the state where they were born.

Approximately 4.8% of 12726 residents in 2020-2024 were foreign-born. 85.7% of foreign-born were naturalized U.S. citizens and an estimated 94.6 % entered the country before the year 2010.

Foreign-born residents of 12726 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 12726.

Region of Birth for the Foreign-Born Population in 12726 in 2020-2024

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Percent
Latin America 32.1
Asia 7.1
Europe 60.7
Africa 0
Northern America 0
Oceania 0

Language

Among people at least five years old living in 12726 in 2020-2024, 5.2 % spoke a language other than English at home. Spanish was spoken by 1.9% of people at least five years old; 2.2% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 12726 in 2020-2024

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Percent
Spanish 1.9
Other Indo-European languages 3
Asian and Pacific Islander languages 0.4
Other languages 0

Geographic Mobility

In 2020-2024, 95 % of the people at least one year old living in 12726 were living in the same house one year earlier.

Geographic Mobility of Residents of 12726 in 2020-2024

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Percent
Same house 95
Different house, same county 3.3
Different county, same state 1
Different state 0.6
Abroad 0.1

Education

In 2020-2024, 95.1 % of people 25 years and over had at least graduated from high school and 39.2% had a bachelor's degree or higher. An estimated 4.9% did not complete high school.

The total school enrollment in 12726 was 210 in 2020-2024. Nursery school enrollment was 9 and kindergarten through 12th grade enrollment was 147. College or graduate school enrollment was 54.

Educational Attainment of People in 12726 in 2020-2024

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Percent
Less than high school diploma 4.9
High school diploma or equivalency 28.1
Some college, no degree 24.7
Associate's degree 3.1
Bachelor's degree 25.2
Graduate or professional degree 14

Disability

In 12726, among the civilian noninstitutionalized population in 2020-2024, 9.1 % reported a disability. The likelihood of having a disability varied by age - from 1.4% of people under 18 years old, to 5.7% of people 18 to 64 years old, and to 18.6% of those 65 and over.


Employment Status and Type of Employer

In 12726, 57.3 % of the population 16 and over were employed; 39.8% were not currently in the labor force.

An estimated 74.9% of the people employed were private wage and salary workers; 19.3% were federal, state, or local government workers; and 5.8 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 426 74.9
Federal, state, or local government workers 110 19.3
Self-employed workers in own not incorporated business 33 5.8

Industries

In 2020-2024, the civilian employed population 16 years and older in 12726 worked in the following industries:

Percent by Industry in 12726 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 2.1
Construction 4.6
Manufacturing 5.4
Wholesale trade 1.2
Retail trade 18.3
Transportation and warehousing, and utilities 10
Information 6
Finance and insurance, and real estate and rental and leasing 2.1
Professional, scientific, and management, and administrative and waste management services 8.6
Educational services, and health care and social assistance 30.6
Arts, entertainment, and recreation, and accommodation, and food services 2.8
Other Services, except public administration 1.8
Public administration 6.5

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 12726 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 262 46
Service occupations 82 14.4
Sales and office occupations 46 8.1
Natural resources, construction, and maintenance occupations 103 18.1
Production, transportation, and material moving occupations 76 13.4

Commuting to Work

An estimated 77.9% of 12726 workers drove to work alone in 2020-2024, and 5.5% carpooled. Among those who commuted to work, it took them on average 33.9 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 12726 in 2020-2024

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Percent
Car, truck, van -- drove alone 77.9
Car, truck, van -- carpooled 5.5
Public transportation (excluding taxicab) 0.5
Walked 3.4
Other means 0.5
Worked from home 12.2

In 2020-2024, 12726 had a total of 736 housing units. Of these housing units, 90.2% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 4.4% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 5.4% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 12726 in 2020-2024

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Percent
Single-family houses 90.2
Apartments in multi-unit structures 4.4
Mobile homes 5.4
Boat, RV, van, etc 0

4.5% of the housing inventory was comprised of houses built since 2010, while 27.9% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 12726 was 6.3 rooms, and of these housing units 74% had three or more bedrooms.


In 2020-2024, 12726 had 565 housing units that were occupied or had people living in them, while the remaining 171 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 89% while renters occupied 11%. The average household size of owner-occupied houses was 2 and in renter-occupied houses it was 2.5.

3.7% of householders of these occupied houses had moved into their house since 2021, while 17.2% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 0% and another 25.3% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 12726:

House Heating Fuel Used in 12726 in 2020-2024

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Percent
Gas 17.4
Electricity 8.5
Fuel oil, kerosene, etc 63.5
All other fuels 10.6
No fuel used 0

In 2020-2024, the median property value for owner-occupied houses in 12726 was $377,000.

Of the owner-occupied households, 54.1 % had a mortgage. 45.9% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,955 and for owners without a mortgage it was $948.

For renter-occupied houses, the median gross rent for 12726 was $938. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.