12816 Zip Code Detailed Profile




Estimated zip code population in 2013: 4,518
Zip code population in 2010: 4,610
Zip code population in 2000: 4,845

Houses and condos: 2,424
Renter-occupied apartments: 458
% of renters here:

23%
State:

46%
Mar. 2013 cost of living index in zip code 12816: 98.4 (near average, U.S. average is 100)

Land area: 63.2 sq. mi.
Water area: 0.4 sq. mi.
Population density: 72 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 12816
Zip code 12816 (Cambridge, 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% ($3,423)
New York:

1.6% ($4,559)
Median real estate property taxes paid for housing units with mortgages in 2013: $3,642 (2.1%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $2,927 (2.1%)

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Males: 2,227  (49.3%)
Females: 2,291  (50.7%)

For population 25 years and over in 12816:

For population 15 years and over in 12816:

Zip code 12816 compared to state average:

  • Median house value below state average.
  • Black race population percentage significantly below state average.
  • Hispanic race population percentage significantly below state average.
  • Median age significantly above state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage below state average.
  • Number of college students below state average.
  • Races in zip code 12816

  • Zip code 12816 races chart
    • 4,427White population
    • 37Black population
    • 5American Indian population
    • 24Asian population
    • 0Native Hawaiian and Other Pacific Islander population
    • 3Some other race population
    • 53Two or more races population
    • 61Hispanic or Latino population

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Based on 2000-2013 data
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123
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100% rural population.

Estimated median house/condo value in 2013: $166,300
12816:

$166,300
New York:

$277,600



According to our research of New York and other state lists there were 4 registered sex offenders living in 12816 zip code as of August 31, 2015.
The ratio of number of residents in zip code 12816 to the number of sex offenders is 1,028 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is near the state average.


Median resident age:
This zip code:

46.9 years
New York median age:

38.2 years
Average household size:
This zip code:

2.3 people
New York:

2.6 people

Averages for the 2012 tax year for zip code 12816, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $46,583 (Individual Income Tax Returns)
Here:

$46,583
State:

$77,088

Salary/wage: $39,489 (reported on 79.0% of returns)
Here:

$39,489
State:

$60,593
(% of AGI for various income ranges: 69.3% for AGIs below $25k, 74.2% for AGIs $25k-50k, 69.4% for AGIs $50k-75k, 66.3% for AGIs $75k-100k, 80.9% for AGIs $100k-200k)

Taxable interest for individuals: $935 (reported on 41.6% of returns)
This zip code:

$935
New York:

$3,125
(% of AGI for various income ranges: 1.7% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 0.8% for AGIs $100k-200k, 1.1% for AGIs over 200k)

Ordinary dividends: $5,220 (reported on 23.8% of returns)
Here:

$5,220
State:

$10,299
(% of AGI for various income ranges: 3.0% for AGIs below $25k, 1.2% for AGIs $25k-50k, 3.0% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 5.1% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$6,484 (reported on 17.3% of returns)
Here:

+$6,484
State:

+$42,474
(% of AGI for various income ranges: 1.3% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 6.7% for AGIs $100k-200k)

Profit/loss from business: +$9,831 (reported on 18.2% of returns)
Here:

+$9,831
State:

+$16,168
(% of AGI for various income ranges: 9.6% for AGIs below $25k, 4.3% for AGIs $25k-50k, 3.2% for AGIs $50k-75k, 3.5% for AGIs $75k-100k, 3.2% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $12,050 (reported on 11.2% of returns)
12816:

$12,050
New York:

$17,621
(% of AGI for various income ranges: 3.1% for AGIs below $25k, 2.9% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 3.0% for AGIs $75k-100k, 4.7% for AGIs $100k-200k)

Total itemized deductions: $19,292 (23% of AGI, reported on 30.4% of returns)
Here:

$19,292
State:

$34,985

Here:

23.4% of AGI
State:

21.3% of AGI
(% of AGI for various income ranges: 11.9% for AGIs below $25k, 9.5% for AGIs $25k-50k, 11.1% for AGIs $50k-75k, 13.0% for AGIs $75k-100k, 16.2% for AGIs $100k-200k, 13.3% for AGIs over 200k)

Charity contributions: $2,468 (reported on 23.4% of returns)
Here:

$2,468
State:

$5,572
(% of AGI for various income ranges: 0.8% for AGIs below $25k, 1.0% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 1.4% for AGIs $100k-200k, 1.7% for AGIs over 200k)

Taxes paid: $8,843 (reported on 30.4% of returns)
12816:

$8,843
State:

$18,656
(% of AGI for various income ranges: 3.9% for AGIs below $25k, 3.4% for AGIs $25k-50k, 4.5% for AGIs $50k-75k, 6.0% for AGIs $75k-100k, 8.7% for AGIs $100k-200k, 8.4% for AGIs over 200k)

Earned income credit: $2,076 (reported on 15.4% of returns)
Here:

$2,076
State:

$2,230
(% of AGI for various income ranges: 5.0% for AGIs below $25k, 0.9% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 12816, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $38,477 (Individual Income Tax Returns)
Here:

$38,477
State:

$59,519

Salary/wage: $33,346 (reported on 79.3% of returns)
Here:

$33,346
State:

$50,673
(% of AGI for various income ranges: 115.9% for AGIs below $10k, 68.1% for AGIs $10k-25k, 74.6% for AGIs $25k-50k, 75.4% for AGIs $50k-75k, 72.4% for AGIs $75k-100k, 52.2% for AGIs over 100k)

Taxable interest for individuals: $1,282 (reported on 53.5% of returns)
This zip code:

$1,282
New York:

$2,377
(% of AGI for various income ranges: 9.9% for AGIs below $10k, 2.9% for AGIs $10k-25k, 1.7% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 1.6% for AGIs over 100k)

Taxable dividends: $2,935 (reported on 29.0% of returns)
Here:

$2,935
State:

$5,394
(% of AGI for various income ranges: 8.1% for AGIs below $10k, 3.4% for AGIs $10k-25k, 1.8% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 2.9% for AGIs over 100k)

Net capital gain/loss: +$7,459 (reported on 21.3% of returns)
Here:

+$7,459
State:

+$23,581
(% of AGI for various income ranges: -3.1% for AGIs below $10k, 0.4% for AGIs $10k-25k, 1.0% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 3.5% for AGIs $75k-100k, 12.0% for AGIs over 100k)

Profit/loss from business: +$8,927 (reported on 18.1% of returns)
Here:

+$8,927
State:

+$13,809
(% of AGI for various income ranges: 17.1% for AGIs below $10k, 7.9% for AGIs $10k-25k, 4.5% for AGIs $25k-50k, 3.0% for AGIs $50k-75k, 4.9% for AGIs $75k-100k, 2.3% for AGIs over 100k)

IRA payment deduction: $2,628 (reported on 3.7% of returns)
12816:

$2,628
New York:

$3,115
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.2% for AGIs over 100k)

Self-employed pension: $6,625 (reported on 0.8% of returns)
Here:

$6,625
New York:

$19,016

Total itemized deductions: $16,174 (22% of AGI, reported on 29.3% of returns)
Here:

$16,174
State:

$25,864

Here:

22.0% of AGI
State:

21.9% of AGI
(% of AGI for various income ranges: 7.8% for AGIs below $10k, 10.5% for AGIs $10k-25k, 11.1% for AGIs $25k-50k, 12.5% for AGIs $50k-75k, 15.1% for AGIs $75k-100k, 12.9% for AGIs over 100k)

Charity contributions deductions: $2,216 (3% of AGI, reported on 25.7% of returns)
Here:

$2,216
State:

$4,439

Here:

2.8% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 1.0% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 1.9% for AGIs over 100k)

Total tax: $5,062 (reported on 75.7% of returns)
12816:

$5,062
State:

$11,730
(% of AGI for various income ranges: 4.8% for AGIs below $10k, 4.7% for AGIs $10k-25k, 7.0% for AGIs $25k-50k, 8.3% for AGIs $50k-75k, 10.6% for AGIs $75k-100k, 16.5% for AGIs over 100k)

Earned income credit: $1,567 (reported on 14.0% of returns)
Here:

$1,567
State:

$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 61.5%
Here:

62%
State:

67%
(% for various income ranges: 50.4% for AGIs below $10k, 61.3% for AGIs $10k-25k, 64.7% for AGIs $25k-50k, 69.2% for AGIs $50k-75k, 64.2% for AGIs $75k-100k, 68.3% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$50,365
New York:

$57,369
Cambridge, NY (12816) map Nearest zip codes: 12057, 12873, 12028, 12834, 12823, 05257.
Percentage of family households:
This zip code:

44.6%
New York:

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

4.2%
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: 258
Household did not receive Food Stamps/SNAP in the past 12 months: 1,708


Women who had a birth in the past 12 months: 64 (55 now married, 9 unmarried)
Women who did not have a birth in the past 12 months: 856 (438 now married, 418 unmarried)


Housing units in zip code 12816 with a mortgage: 923 (33 second mortgage, 149 home equity loan)
Houses without a mortgage: 585

Median monthly owner costs for units with a mortgage: $1,468
Median monthly owner costs for units without a mortgage: S552

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

12.6%
Whole state:

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

8.2%
Whole state:

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

6.4
State:

6.4
Median number of rooms in apartments:
Here:

3.9
State:

3.8
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 12816: Sunrise Mountain Buffalo Ranch (A), Lake Lauderdale Campground (B), Battenkill Riversports and Campground (C), Cambridge Public Library (D). Display/hide their locations on the map

    Churches in zip code 12816 include: Saint Patrick's Church (A), Saint Lukes Church (B), Open Bible Baptist Church (C), First Baptist Church (D), Embury Methodist Church (E), Coila Church (F), Cambridge United Presbyterian Church (G). Display/hide their locations on the map

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

    Lakes and swamps: Lake Lauderdale (A), Schoolhouse Lake (B), Clark Pond (C), Dead Lake (D), Hedges Lake (E), Eldridge Swamp (F). Display/hide their locations on the map

    Streams, rivers, and creeks: Pumpkin Hook Creek (A), Pencil Brook (B), Cambridge Creek (C). Display/hide their locations on the map

    Parks in zip code 12816 include: Lake Lauderdale County Park (1), Cambridge Historic District (2). Display/hide their locations on the map

Year house built

  • 172010 or later
  • 2302000 to 2009
  • 2331990 to 1999
  • 2061980 to 1989
  • 2961970 to 1979
  • 1581960 to 1969
  • 1731950 to 1959
  • 1701940 to 1949
  • 9411939 or earlier

Zip code 12816 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Cambridge, NY (12816)

  • 6no bedroom
  • 581 bedroom
  • 3482 bedrooms
  • 7243 bedrooms
  • 2534 bedrooms
  • 1195+ bedrooms

Bedrooms in renter-occupied apartments in Cambridge, NY (12816)

  • 44no bedroom
  • 1621 bedroom
  • 1362 bedrooms
  • 623 bedrooms
  • 124 bedrooms
  • 425+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Cambridge, NY (12816) in owner-occupied houses/condos

  • 26no vehicle
  • 4741 vehicle
  • 6912 vehicles
  • 2153 vehicles
  • 854 vehicles
  • 175+ vehicles

Cars and other vehicles available in Cambridge, NY (12816) in renter-occupied apartments

  • 96no vehicle
  • 2321 vehicle
  • 1102 vehicles
  • 113 vehicles
  • 34 vehicles
  • 65+ vehicles

Median gross rent in 2013: $812.

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


Estimated median house or condo value in 2013: $166,300
12816:

$166,300
New York:

$277,600
Lower value quartile - upper value quartile: $106,700 - $245,400

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 8.6%

Percentage of zip code residents living and working in this county: 48.2%

Household type by relationship:

Households: 4,444

Size of family households: 612 2-persons, 275 3-persons, 159 4-persons, 143 5-persons, 45 6-persons, 9 7-or-more-persons

Size of nonfamily households: 669 1-person, 46 2-persons, 6 3-persons, 2 5-persons

722 married couples with children.
186 single-parent households (37 men, 149 women).

97.4% of residents of 12816 zip code speak English at home.
1.5% of residents speak Spanish at home (90% very well, 10% well).
1.0% of residents speak other Indo-European language at home (74% very well, 7% not well, 19% not at all).
0.2% of residents speak Asian or Pacific Island language at home (86% very well, 14% well).

Foreign born population: 106 (2.3%)
(64.2% of them are naturalized citizens)
This zip code:

2.3%
Whole state:

22.3%

Most common places of birth for the foreign-born residents

  • 18%England
  • 15%Czechoslovakia (includes Czech Republic and Slovakia)
  • 12%Mexico
  • 8%France
  • 8%Russia
  • 8%Chile
  • 7%Sweden

Most common first ancestries reported in 12816 (%)

  • 19%Irish
  • 18%American
  • 10%Italian
  • 8%German
  • 7%Other groups
  • 7%English
  • 4%French (except Basque)

Year of entry for the foreign-born population

  • 102010 or later
  • 322000 to 2009
  • 201990 to 1999
  • 88Before 1990

Zip code 12816 topographic map

Facilities with environmental interests located in this zip code:


Zip code 12816 marital status for males
Zip code 12816 marital status for females

Housing units lacking complete plumbing facilities: 4.6%
Housing units lacking complete kitchen facilities: 4.9%

Most commonly used house heating fuel

  • 56%Fuel oil, kerosene, etc.
  • 17%Wood
  • 12%Electricity
  • 11%Bottled, tank, or LP gas
  • 2%Utility gas
  • 1%Other fuel
  • 1%No fuel used

Population in 1990: 4,243. Population change in the 1990s: +602 (+14.2%).

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


61% of the 12816 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 49% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

91% of the 12816 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 47% moved from this county.
   Out of people who lived in different houses, 23% moved from different county within same state.
   Out of people who lived in different houses, 22% moved from different state.
   Out of people who lived in different houses, 8% 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): 5
Here:

1.4%
New York:

12.7%
Students in private schools in grades 9 to 12 (high school): 8
Here:

3.4%
New York:

12.6%
Students in private undergraduate colleges: 44
Here:

30.8%
New York:

35.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

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

  • 81,442Legal occupations
  • 80,000Installation, maintenance, and repair occupations
  • 76,806Architecture and engineering occupations
  • 68,333Fire fighting and prevention, and other protective service workers including supervisors
  • 62,308Life, physical, and social science occupations
  • 53,875Education, training, and library 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)

People in group quarters in 2010:

  • 18 people in other noninstitutional facilities
  • 16 people in group homes intended for adults

People in group quarters in 2000:

  • 63 people in agriculture workers' dormitories on farms
  • 39 people in nursing homes
  • 35 people in other noninstitutional group quarters
  • 21 people in religious group quarters
  • 13 people in homes for the mentally retarded

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 2
  • Persons involved in fatal accidents: 2
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 6 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 ORIGINATED20$134,75535$130,35589$135,99515$41,21514$136,4515$49,522
APPLICATIONS APPROVED, NOT ACCEPTED4$74,1555$185,79810$145,0443$82,8071$488,7001$40,620
APPLICATIONS DENIED6$113,11211$114,29277$138,3289$22,7643$80,0039$88,578
APPLICATIONS WITHDRAWN7$130,2562$131,08036$157,8893$73,0033$155,9731$119,890
FILES CLOSED FOR INCOMPLETENESS1$166,1601$240,0105$152,9381$125,6101$240,0100$0

Detailed HMDA statistics for the following Tracts: 0910.00 , 0920.00, 0930.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 6 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED6$164,4953$154,560
APPLICATIONS APPROVED, NOT ACCEPTED1$51,0801$340,140
APPLICATIONS DENIED0$02$114,725
APPLICATIONS WITHDRAWN0$01$92,110
FILES CLOSED FOR INCOMPLETENESS0$00$0

Detailed PMIC statistics for the following Tracts: 0910.00 , 0920.00, 0930.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 12816 among deceased individuals
NameCountLived (average)
John5775.9 years
William4375.9 years
Mary3881.9 years
Robert3474.6 years
Helen3080.2 years
George2974.1 years
Charles2578.1 years
Margaret2282.6 years
Frank2276.8 years
Dorothy2078.0 years
Most common last names in zip code 12816 among deceased individuals
Last nameCountLived (average)
Murphy1268.2 years
Brown1178.9 years
Gates1174.1 years
Smith1077.3 years
Robertson1076.8 years
Wilson868.6 years
Ashton879.4 years
Decker768.3 years
Granger770.1 years
Coulter781.5 years
Businesses in zip code 12816
NameCountNameCount
GNC1Subway1
H&R Block1True Value1
Rite Aid1U-Haul1

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