ZIP Code 12937 — Fort Covington CDP, NY Demographics & Data

ZIP code 12937 covers Fort Covington, NY in Franklin County with a population of about 1,340.

At a glance, the area shows median age of 39.9 (near the U.S. median).

It sits in telephone area codes 518, 838; U.S. House district NY-21; the BURLINGTON - PLATTSBURGH media market.

Fort Covington, NY reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 12937 is about $49,265 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.7%; unemployment rate near 0.7%; 14.1% of adults with a bachelor’s degree or higher (about 19.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Education, and Healthcare; about 11.2% of workers reporting work-from-home (about 4.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $103,300 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $710 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12937 in Fort Covington, NY, a household would need roughly $28,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $664. That sits below the local median household income ($49,265), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fort Covington CDP, NY as Relatively Low (composite score 48.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (67.1) and hurricane (57.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fort Covington CDP, NY show little to no average snow and around 39.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 58 for ZIP 12937 (Fort Covington CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.