12028 Zip Code Detailed Profile




Counties: Rensselaer County, NY (54.14%), Washington County, NY (45.86%)
Estimated zip code population in 2013: 970
Zip code population in 2010: 1,172
Zip code population in 2000: 1,100

Houses and condos: 372
Renter-occupied apartments: 23
% of renters here:

7%
State:

46%
Mar. 2013 cost of living index in zip code 12028: 94.9 (less than average, U.S. average is 100)

Land area: 22.6 sq. mi.
Water area: 0.3 sq. mi.
Population density: 43 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 12028
Zip code 12028 (, New York) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

2.1% ($3,975)
New York:

1.6% ($4,559)
Median real estate property taxes paid for housing units with mortgages in 2013: $3,772 (2.0%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $4,891 (2.6%)

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Males: 548  (56.5%)
Females: 422  (43.5%)

For population 25 years and over in 12028:

For population 15 years and over in 12028:

Zip code 12028 compared to state average:

  • Unemployed percentage below state average.
  • Black race population percentage significantly below state average.
  • Hispanic race population percentage significantly below state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage significantly below state average.
  • Number of rooms per house significantly above state average.
  • Races in zip code 12028

  • Zip code 12028 races chart
    • 1,134White population
    • 7Black population
    • 2American Indian population
    • 4Asian population
    • 0Native Hawaiian and Other Pacific Islander population
    • 4Some other race population
    • 7Two or more races population
    • 14Hispanic or Latino population

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Discuss zip code 12028 area on our local forum with over 1,800,000 registered users
100% rural population.

Estimated median house/condo value in 2013: $186,900
12028:

$186,900
New York:

$277,600



According to our research of New York and other state lists there were 2 registered sex offenders living in 12028 zip code as of August 30, 2015.
The ratio of number of residents in zip code 12028 to the number of sex offenders is 727 to 1.


Median resident age:
This zip code:

39.7 years
New York median age:

38.2 years
Average household size:
This zip code:

2.9 people
New York:

2.6 people

Averages for the 2012 tax year for zip code 12028, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $49,437 (Individual Income Tax Returns)
Here:

$49,437
State:

$77,088

Salary/wage: $45,088 (reported on 83.1% of returns)
Here:

$45,088
State:

$60,593
(% of AGI for various income ranges: 71.8% for AGIs below $25k, 79.8% for AGIs $25k-50k, 78.4% for AGIs $50k-75k, 79.9% for AGIs $75k-100k, 70.7% for AGIs $100k-200k)

Taxable interest for individuals: $680 (reported on 42.4% of returns)
This zip code:

$680
New York:

$3,125
(% of AGI for various income ranges: 0.6% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 1.0% for AGIs $100k-200k)

Ordinary dividends: $3,858 (reported on 20.3% of returns)
Here:

$3,858
State:

$10,299
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 3.6% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$1,843 (reported on 11.9% of returns)
Here:

+$1,843
State:

+$42,474
(% of AGI for various income ranges: 0.6% for AGIs $50k-75k, 1.0% for AGIs $100k-200k)

Profit/loss from business: +$8,700 (reported on 15.3% of returns)
Here:

+$8,700
State:

+$16,168
(% of AGI for various income ranges: 6.6% for AGIs below $25k, 7.4% for AGIs $25k-50k, 4.8% for AGIs $75k-100k)

Taxable individual retirement arrangement distribution: $10,850 (reported on 10.2% of returns)
12028:

$10,850
New York:

$17,621

Total itemized deductions: $19,442 (22% of AGI, reported on 32.2% of returns)
Here:

$19,442
State:

$34,985

Here:

22.4% of AGI
State:

21.3% of AGI
(% of AGI for various income ranges: 16.7% for AGIs $25k-50k, 10.0% for AGIs $50k-75k, 13.9% for AGIs $75k-100k, 15.2% for AGIs $100k-200k)

Charity contributions: $2,079 (reported on 23.7% of returns)
Here:

$2,079
State:

$5,572
(% of AGI for various income ranges: 0.5% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 1.4% for AGIs $100k-200k)

Taxes paid: $9,911 (reported on 32.2% of returns)
12028:

$9,911
State:

$18,656
(% of AGI for various income ranges: 7.0% for AGIs $25k-50k, 4.8% for AGIs $50k-75k, 7.3% for AGIs $75k-100k, 8.5% for AGIs $100k-200k)

Earned income credit: $1,967 (reported on 15.3% of returns)
Here:

$1,967
State:

$2,230
(% of AGI for various income ranges: 4.7% for AGIs below $25k, 1.2% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 12028, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $40,349 (Individual Income Tax Returns)
Here:

$40,349
State:

$59,519

Salary/wage: $36,910 (reported on 86.2% of returns)
Here:

$36,910
State:

$50,673
(% of AGI for various income ranges: 90.5% for AGIs below $10k, 68.8% for AGIs $10k-25k, 85.7% for AGIs $25k-50k, 85.2% for AGIs $50k-75k, 89.8% for AGIs $75k-100k, 57.8% for AGIs over 100k)

Taxable interest for individuals: $616 (reported on 51.7% of returns)
This zip code:

$616
New York:

$2,377
(% of AGI for various income ranges: 3.8% for AGIs below $10k, 1.7% for AGIs $10k-25k, 0.7% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.7% for AGIs over 100k)

Taxable dividends: $2,619 (reported on 23.7% of returns)
Here:

$2,619
State:

$5,394
(% of AGI for various income ranges: 2.4% for AGIs below $10k, 0.6% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 5.2% for AGIs over 100k)

Net capital gain/loss: +$11,101 (reported on 15.8% of returns)
Here:

+$11,101
State:

+$23,581
(% of AGI for various income ranges: -0.1% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.0% for AGIs $75k-100k, 20.6% for AGIs over 100k)

Profit/loss from business: +$3,000 (reported on 14.2% of returns)
Here:

+$3,000
State:

+$13,809
(% of AGI for various income ranges: 6.4% for AGIs $10k-25k, 0.9% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, -1.8% for AGIs $75k-100k)

IRA payment deduction: $2,950 (reported on 3.5% of returns)
12028:

$2,950
New York:

$3,115

Total itemized deductions: $16,262 (22% of AGI, reported on 29.7% of returns)
Here:

$16,262
State:

$25,864

Here:

22.3% of AGI
State:

21.9% of AGI
(% of AGI for various income ranges: 6.4% for AGIs $10k-25k, 9.8% for AGIs $25k-50k, 12.6% for AGIs $50k-75k, 14.3% for AGIs $75k-100k, 16.2% for AGIs over 100k)

Charity contributions deductions: $1,685 (2% of AGI, reported on 26.4% of returns)
Here:

$1,685
State:

$4,439

Here:

2.4% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 4.0% for AGIs below $10k, 0.8% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 1.6% for AGIs over 100k)

Total tax: $4,672 (reported on 77.7% of returns)
12028:

$4,672
State:

$11,730
(% of AGI for various income ranges: 2.1% for AGIs below $10k, 5.3% for AGIs $10k-25k, 6.3% for AGIs $25k-50k, 9.0% for AGIs $50k-75k, 10.2% for AGIs $75k-100k, 14.0% for AGIs over 100k)

Earned income credit: $1,739 (reported on 12.2% of returns)
Here:

$1,739
State:

$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 61.1%
Here:

61%
State:

67%
(% for various income ranges: 49.0% for AGIs below $10k, 58.4% for AGIs $10k-25k, 65.4% for AGIs $25k-50k, 60.4% for AGIs $50k-75k, 72.1% for AGIs $75k-100k, 76.7% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$77,143
New York:

$57,369
12028 map Nearest zip codes: 12094, 12057, 12090, 12816, 12185, 12089.
Percentage of family households:
This zip code:

74.0%
New York:

47.6%
Percentage of households with unmarried partners:
This zip code:

5.7%
New York:

6.0%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 30
Household did not receive Food Stamps/SNAP in the past 12 months: 304


Women who had a birth in the past 12 months: 15 (15 now married, 0 unmarried)
Women who did not have a birth in the past 12 months: 233 (150 now married, 83 unmarried)


Housing units in zip code 12028 with a mortgage: 238 (17 second mortgage, 30 home equity loan)
Houses without a mortgage: 73

Median monthly owner costs for units with a mortgage: $1,688
Median monthly owner costs for units without a mortgage: S763

Residents with income below the poverty level in 2013:
This zip code:

4.7%
Whole state:

16.0%
Residents with income below 50% of the poverty level in 2013:
This zip code:

4.1%
Whole state:

9.0%
Median number of rooms in houses and condos:
Here:

7.9
State:

6.4
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable location: Buskirk Volunteer Fire Department Hall (A). Display/hide its location on the map

    Church in zip code 12028: Buskirk Reformed Church (A). Display/hide its location on the map

    Cemetery: Woodside Cemetery (1). Display/hide its location on the map

    Lakes and reservoirs: Wing Pond (A), Golden Pond (B), Echo Lake (C). Display/hide their locations on the map

    Streams, rivers, and creeks: Whipple Brook (A). Display/hide its location on the map

Year house built

  • 02010 or later
  • 382000 to 2009
  • 471990 to 1999
  • 391980 to 1989
  • 341970 to 1979
  • 101960 to 1969
  • 571950 to 1959
  • 01940 to 1949
  • 1471939 or earlier

Zip code 12028 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in 12028

  • 0no bedroom
  • 61 bedroom
  • 472 bedrooms
  • 1583 bedrooms
  • 714 bedrooms
  • 295+ bedrooms

Bedrooms in renter-occupied apartments in 12028

  • 0no bedroom
  • 01 bedroom
  • 172 bedrooms
  • 63 bedrooms
  • 04 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in 12028 in owner-occupied houses/condos

  • 5no vehicle
  • 191 vehicle
  • 2162 vehicles
  • 373 vehicles
  • 344 vehicles
  • 05+ vehicles

Cars and other vehicles available in 12028 in renter-occupied apartments

  • 6no vehicle
  • 01 vehicle
  • 172 vehicles
  • 03 vehicles
  • 04 vehicles
  • 05+ vehicles

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $186,900
12028:

$186,900
New York:

$277,600
Lower value quartile - upper value quartile: $161,400 - $248,800

Mean price in 2013:

Detached houses: $218,326
Here:

$218,326
State:

$328,266

Mobile homes: $103,171
Here:

$103,171
State:

$57,967

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 4.7%

Percentage of zip code residents living and working in this county: 42.0%

Household type by relationship:

Households: 970

Size of family households: 130 2-persons, 32 3-persons, 96 4-persons, 39 5-persons

Size of nonfamily households: 18 1-person, 19 2-persons

259 married couples with children.
0 single-parent households ().

97.2% of residents of 12028 zip code speak English at home.
1.4% of residents speak other Indo-European language at home (100% very well).
1.3% of residents speak Asian or Pacific Island language at home (67% very well, 33% not at all).

Foreign born population: 35 (3.6%)
(88.6% of them are naturalized citizens)
This zip code:

3.6%
Whole state:

22.3%

Most common places of birth for the foreign-born residents

  • 37%India
  • 29%Guyana
  • 23%Korea
  • 11%China, excluding Hong Kong and Taiwan

Most common first ancestries reported in 12028 (%)

  • 16%Irish
  • 12%German
  • 12%Other groups
  • 12%French (except Basque)
  • 11%Polish
  • 9%French Canadian
  • 6%English

Year of entry for the foreign-born population

  • 02010 or later
  • 42000 to 2009
  • 01990 to 1999
  • 31Before 1990

Facilities with environmental interests located in this zip code:


Zip code 12028 marital status for males
Zip code 12028 marital status for females

Most commonly used house heating fuel

  • 52%Fuel oil, kerosene, etc.
  • 35%Wood
  • 10%Electricity
  • 3%Bottled, tank, or LP gas

Population in 1990: 1,272. Population change in the 1990s: -172 (-13.5%).

Place of birth for U.S.-born residents:


64% of the 12028 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 54% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

96% of the 12028 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 67% moved from this county.
   Out of people who lived in different houses, 20% moved from different state.
   Out of people who lived in different houses, 13% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school):
Here:

0.0%
New York:

12.7%
Students in private schools in grades 9 to 12 (high school):
Here:

0.0%
New York:

12.6%
Students in private undergraduate colleges:
Here:

0.0%
New York:

35.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 120,673Health diagnosing and treating practitioners and other technical occupations
  • 51,116Management occupations
  • 43,594Installation, maintenance, and repair occupations
  • 41,750Production occupations
  • 41,250Office and administrative support occupations
  • 40,139Construction and extraction occupations

Companies with federal contracts located in this zip code:

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 4 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED5$165,5267$134,28627$140,4713$32,5131$63,1101$66,560
APPLICATIONS APPROVED, NOT ACCEPTED1$79,3601$93,8204$135,8601$98,3400$00$0
APPLICATIONS DENIED2$118,7703$151,03021$167,8754$34,6902$107,7703$48,383
APPLICATIONS WITHDRAWN0$01$137,4709$165,1800$00$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$00$00$00$00$0

Detailed HMDA statistics for the following Tracts: 0518.00 , 0930.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 4 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED0$02$181,370
APPLICATIONS APPROVED, NOT ACCEPTED0$00$0
APPLICATIONS DENIED1$90,6201$121,300
APPLICATIONS WITHDRAWN0$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$0

Detailed PMIC statistics for the following Tracts: 0518.00 , 0930.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 12028 among deceased individuals
NameCountLived (average)
William1273.2 years
Charles879.1 years
George772.7 years
Mary677.2 years
John669.5 years
Margaret579.6 years
Frank583.4 years
Robert570.6 years
Elizabeth584.2 years
Arthur463.7 years
Most common last names in zip code 12028 among deceased individuals
Last nameCountLived (average)
Hunt766.6 years
Moseley683.3 years
Mcinerney576.4 years
Aiken482.3 years
Young477.2 years
Brownell482.5 years
Baker481.3 years
Sherman374.3 years
Gifford375.6 years
Lockrow375.6 years

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