The 12565 ZIP Code is primarily associated with Philmont, NY (Columbia County) in the U.S. The current population estimate is 1,123. The median household income is approximately $50,472, and an estimated 11% of the population is living below the poverty line. The ZIP Code 12565 has a median age of approximately 39.6 years, with 19.0% of residents aged 62 years and older. Approximately 32.3% of residents in this New York region have a bachelor's degree or higher, and the per capita income is an estimated $25,316.
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In ZIP Code 12565, 93.4% of the population graduated high school, while 32.3% have a bachelor's degree or higher. In this region, 4.2% achieved an education level less than 9th grade, while 8.3% hold a graduate or professional degree. Approximately 25.1% in this Columbia County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 4.2% |
| 9th to 12th grade, no diploma | 2.4% |
| High school graduate (includes equivalency) | 25.1% |
| Some college, no degree | 18.1% |
| Associate's degree | 17.9% |
| Bachelor's degree | 24.0% |
| Graduate or professional degree | 8.3% |
Residents of ZIP Code 12565 are older than average. The median age of 39.6 years in ZIP Code 12565 is approximately 3.94% higher than the overall median age in the U.S. of 38.1 years. About 80.7% of residents are aged 18 years and older, and 19.0% of residents are 62 years and over. Approximately 14.8% of the population in 12565 falls in the age group 25 to 34 years, while an estimated 14.4% are aged 45 to 54 years. On the low end of the scale, 2.0% of 12565 residents are aged 15 to 19 years.
| Age Range | Percent |
|---|---|
| Under 5 years | 6.0% |
| 5 to 9 years | 2.4% |
| 10 to 14 years | 10.1% |
| 15 to 19 years | 2.0% |
| 20 to 24 years | 12.1% |
| 25 to 34 years | 14.8% |
| 35 to 44 years | 8.4% |
| 45 to 54 years | 14.4% |
| 55 to 59 years | 10.5% |
| 60 to 64 years | 3.7% |
| 65 to 74 years | 6.6% |
| 75 to 84 years | 6.9% |
| 85 years and over | 2.3% |
The median household income in ZIP Code 12565 is $50,472, while the region's mean household income is $53,251. Breaking income down further, per capita income in the region is $25,316. The per capita income in ZIP Code 12565 of $25,316 is approximately 35.63% less than the per capita income in the U.S. overall of $39,326. An estimated 11.4% of the population is living below the poverty line in this region. This rate is approximately20% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 28.1% of the population in 12565 earn $50,000 to $74,999 per year, while an estimated 14.0% earn less than $10,000 per year, and 1.0% of 12565 residents earn $150,000 to $199,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 14.0% |
| $10,000 to $14,999 per year | 2.9% |
| $15,000 to $24,999 per year | 13.4% |
| $25,000 to $34,999 per year | 8.8% |
| $35,000 to $49,999 per year | 9.4% |
| $50,000 to $74,999 per year | 28.1% |
| $75,000 to $99,999 per year | 11.3% |
| $100,000 to $149,999 per year | 9.8% |
| $150,000 to $199,999 per year | 1.0% |
| $200,000 or more per year | 1.5% |
Looking at race in the population that makes up ZIP Code 12565, 96.6% is one race, while 3.4% are two or more races. Approximately 3.4% of 12565 residents are hispanic or Latino (of any race). The most common race in 12565 (race alone or in combination with one or more other races), is White (96.2%), followed by Black or African American (3.1%) .
| Industry | Percent |
|---|---|
| White | 96.2% |
| Black or African American | 3.1% |
| American Indian and Alaska Native | 2.8% |
| Asian | 1.7% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.0% |
In ZIP Code 12565, 97.0% of the population lists "English only" as the language spoken in home, while 1.2% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.6% of homes, and other Indo-European languages are spoken in 0.2% of homes. Lastly, 0.0% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Columbia County region.
| Language Spoken | Percent |
|---|---|
| English only | 97.0% |
| Spanish | 1.2% |
| Other Indo-European languages | 1.6% |
| Asian and Pacific Islander languages | 0.2% |
| Other languages | 0.0% |
Regarding the age of homes in ZIP Code 12565, an estimated 56.1% of homes were built in 1939 or earlier. Additionally, 11.5% of homes in the region were built between 1990 and 1999, while an estimated 0.0% of homes were built between 2010 and 2013 in this Columbia County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.0% |
| Built between 2010 and 2013 | 0.0% |
| Built between 2000 and 2009 | 5.6% |
| Built between 1990 and 1999 | 11.5% |
| Built between 1980 and 1989 | 3.3% |
| Built between 1970 and 1979 | 2.8% |
| Built between 1960 and 1969 | 6.5% |
| Built between 1950 and 1959 | 5.6% |
| Built between 1940 and 1949 | 8.6% |
| Built in 1939 or earlier | 56.1% |
One of the leading chronic health issues in ZIP Code 12565 is high cholesterol, as an estimated 32.5% of adults aged 18 and older deal with this issue. Another chronic health issue of concern for residents of 12565 is arthritis, as approximately 30.0% of adults 18 and older in this Columbia County region contend with that issue.
| Health Issue | Percent of adults* |
|---|---|
| Arthritis | 30.0% |
| High blood pressure | 29.5% |
| Cancer (excluding skin cancer) | 7.1% |
| Current asthma | 11.3% |
| Coronary heart disease | 5.6% |
| Diagnosed diabetes | 10.0% |
| High cholesterol | 32.5% |
| Chronic kidney disease | 2.8% |
| Stroke | 2.8% |
One of the top preventative health measures in ZIP Code 12565 is current access to health insurance, as an estimated 94.1% of adults 18 and older take part in this preventive measure. Additionally, 85.4% of those 18 and above in 12565 list cholesterol screening, as a preventive measure. Common health risk behaviors in 12565 include sleeping less than 7 hours (32.6% of adults aged 18 and above) and obesity (31.0% of those 18 and older).
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 94.1% |
| Taking medicine for high blood pressure control | 76.1% |
| Visits to doctor for routine checkup | 76.4% |
| Cholesterol screening | 85.4% |
| Visits to dentist or dental clinic | 64.4% |
| Risk Behavior | Percent of adults* |
|---|---|
| Binge drinking | 18.3% |
| Current smoking | 18.3% |
| No leisure-time physical activity | 20.9% |
| Obesity | 31.0% |
| Sleeping less than 7 hours | 32.6% |
Regarding solar power potential, ZIP Code 12565 has an average daily solar radiation level of 4.64 kWh/m2/day. This is approximately 12.62% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 29.59% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 12565 | 9.24¢/kWh | 4.94¢/kWh | 2.08¢/kWh |
| New York | 24.23¢/kWh | 18.58¢/kWh | 7.26¢/kWh |
| United States | 16.1¢/kWh | 12.81¢/kWh | 7.81¢/kWh |
| Month | ZIP Code 12565 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.36 | 1.9 | 5.84 |
| Feb | 4.49 | 3 | 6.31 |
| Mar | 5.04 | 3.65 | 7.02 |
| Apr | 5.33 | 5.13 | 7.3 |
| May | 5.23 | 5.17 | 7.13 |
| Jun | 5.41 | 5.72 | 6.95 |
| Jul | 5.77 | 6.22 | 6.51 |
| Aug | 5.74 | 6.08 | 6.65 |
| Sep | 5.39 | 5.15 | 7.02 |
| Oct | 4.17 | 3.32 | 6.92 |
| Nov | 3.34 | 2.33 | 5.99 |
| Dec | 2.4 | 1.78 | 5.46 |
In 12565, 65.6% of the population is in the labor force. Recent estimates place 6.5% as working from home, while the total labor force in the region has a mean travel to time to work of 20.4 minutes. Approximately 19.9% of the employed population 16 years and over in 12565 work in educational services, and health care and social assistance, while an estimated 17.5% work in retail trade. On the lower end of the scale, just 1.4% of 12565 workers 16 years and over work in information.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 3.5% |
| Construction | 1.8% |
| Manufacturing | 7.1% |
| Wholesale trade | 3.9% |
| Retail trade | 17.5% |
| Transportation and warehousing, and utilities | 5.3% |
| Information | 1.4% |
| Finance and insurance, and real estate and rental and leasing | 2.8% |
| Professional, scientific, management, and administrative | 11.8% |
| Educational services, and health care and social assistance | 19.9% |
| Arts, entertainment, and recreation, and accommodation and food services | 9.7% |
| Other services, except public administration | 10.9% |
| Public administration | 4.4% |
Regarding consumer complaints about financial products in ZIP Code 12565, vehicle loan or lease have received the most complaints in 12565 in the past 12 months. received the second most complaints. The most frequent complaint overall in this Columbia County region was struggling to pay a loan.
| Complaint Product | Number of Complaints* |
|---|---|
| Vehicle loan or lease | 2 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Struggling to pay your loan | 2 |