Housing data for the Town of Caroga, NY
The Town of Caroga, NY has an estimated 983 residents and 1,590 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Fulton County.
4.7% of households rent.
Figures last updated on .
- Residents
- 983 (±162)
- Housing units
- 1,590 (±124)
- Households that rent
- 4.7%
- Residents since 2015–2019
- −20.6%
What stands out in the Town of Caroga
Households that rent: 4.7% (±5.3 points) in the Town of Caroga, lower than in Fulton County (28.6%).
Homes heated by fuel oil: 43.5% (±10.7 points) in the Town of Caroga, higher than in Fulton County (25.4%).
Homes in buildings of 5 or more units: 0.0% (±4.5 points) in the Town of Caroga, lower than in Fulton County (4.9%).
Median real estate taxes: $2,547 (±$464) in the Town of Caroga, lower than in Fulton County ($3,364).
- Heating fuel in the Town of Caroga
- Types of homes in the Town of Caroga
- Property taxes in the Town of Caroga
Housing in the Town of Caroga at a glance
- Rent burden: 21.1% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 4.7% of households rent (Small sample: wide margin of error)
- Income and affordability: $65,395 median household income
- Home values: $172,300 median home value
- Homeowner costs: $1,620 median monthly cost with a mortgage
- Property taxes: $2,547 median real estate taxes a year
- Types of homes: 0.0% of homes are in buildings of 5 or more units
- Bedrooms: 58.0% of homes have 3 or more bedrooms
- Age of homes: 82.0% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 43.5% heat with fuel oil or kerosene
- Commute and cars: 32.8 minutes average trip to work
- Growth: −20.6% residents since 2015–2019 (Small sample: wide margin of error)
- How long people stay: 16.3% moved in since 2020
- Crowding and facilities: 0.0% of homes have more than 1 person per room (Small sample: wide margin of error)
The Town of Caroga against Fulton County, its state and the nation
| Town of Caroga | Fulton County | New York | United States | |
|---|---|---|---|---|
| Residents | 983 (±162) | 52,487 (exact) | 19,852,366 (exact) | 334,922,499 |
| Housing units | 1,590 (±124) | 28,199 (±52) | 8,585,241 (±652) | 143,775,355 |
| Households that rent | 4.7% (±5.3 points) | 28.6% (±2.3 points) | 45.7% (±0.2 points) | 34.8% |
| Median gross rent | — | $912 (±$32) | $1,621 (±$7) | $1,413 |
| Median household income | $65,395 (±$18,222) | $66,533 (±$2,501) | $85,974 (±$402) | $80,734 |
| Median home value | $172,300 (±$25,153) | $163,100 (±$5,527) | $423,800 (±$1,627) | $332,700 |
| Median real estate taxes (a year) | $2,547 (±$464) | $3,364 (±$138) | $6,582 (±$21) | $3,119 |
| Built before 1980 | 82.0% (±9.7 points) | 74.5% (±3.2 points) | 73.9% (±0.2 points) | 49.7% |
| Average commute | 32.8 minutes (±7.3) | 25.4 minutes (±1.3) | 32.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 83.8% (±9.6 points) | 89.1% (±1.4 points) | 90.8% (±0.1 points) | 91.0% |
| Median age of residents | 55.4 years (±5.3) | 44.1 years (±0.4) | 39.8 years (±0.1) | 38.9 years |
The Town of Caroga covers 50.6 square miles of land, about 19 residents per square mile (Census Bureau Gazetteer).
How the Town of Caroga has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 1,238 (±205) | 983 (±162) | −20.6% | Not a measurable change |
| Housing units | 1,741 (±81) | 1,590 (±124) | −8.7% | Measurable decrease |
| Median home value | $123,600 (±$26,287) | $172,300 (±$25,153) | +39.4% | No measurable change after inflation |
| Median household income | $56,016 (±$13,140) | $65,395 (±$18,222) | +16.7% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,396 (±$265) | $1,620 (±$383) | +16.0% | No measurable change after inflation |
| Median real estate taxes | $2,246 (±$1,021) | $2,547 (±$464) | +13.4% | No measurable change after inflation |
| Households that rent | 4.5% (±3.8 points) | 4.7% (±5.3 points) | +0.2 percentage points | Not a measurable change |
| Rental vacancy rate | 0.0% (±58.2 points) | 0.0% (±70.7 points) | 0.0 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Fulton County
The Town of Caroga has no police department of its own in the FBI’s figures, so this is the figure for Fulton County as a whole.
In 2025, the police departments that report for Fulton County recorded 157 violent and 920 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in the Town of Caroga
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 12032 | 96% | 662 | — | $182,300 | $65,789 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near the Town of Caroga
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Town of Stratford | 6.3 mi | $813 | $156,600 | 14.5% |
| Town of Ephratah | 7.4 mi | $1,082 | $111,500 | 12.6% |
| Town of Bleecker | 7.5 mi | $950 | $221,100 | 16.5% |
| Town of Oppenheim | 8.5 mi | $864 | $112,700 | 8.8% |
| Town of Johnstown | 9.3 mi | $1,127 | $193,500 | 5.5% |
| Gloversville | 11 mi | $903 | $106,400 | 48.5% |
| Johnstown | 12 mi | $914 | $157,800 | 39.7% |
| Village of St. Johnsville | 12 mi | $742 | $80,500 | 37.9% |
HUD Fair Market Rent for the Town of Caroga, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $770 | $803 | $1,051 | $1,252 | $1,427 |
HUD income limits for the Town of Caroga, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $18,900 | $31,500 | $50,350 |
| 2 people | $21,640 | $36,000 | $57,550 |
| 3 people | $27,320 | $40,500 | $64,750 |
| 4 people | $33,000 | $44,950 | $71,900 |
| 5 people | $38,680 | $48,550 | $77,700 |
| 6 people | $44,360 | $52,150 | $83,450 |
| 7 people | $50,040 | $55,750 | $89,200 |
| 8 people | $55,720 | $59,350 | $94,950 |
These are the limits HUD sets for its housing programs in the Fulton County, NY, where HUD’s median family income for fiscal year 2026 is $81,100.
A program can use its own limits; tax-credit and local programs often do.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Caroga include them.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Town of Caroga
What is the median household income in the Town of Caroga?
The median household income in the Town of Caroga is $65,395 (±$18,222) a year (2020–2024 American Community Survey).
What is the average home value in the Town of Caroga, NY?
The Census Bureau publishes the median: $172,300 (±$25,153) for owner-occupied homes in the Town of Caroga (2020–2024 American Community Survey).
What is the average mortgage payment in the Town of Caroga?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Caroga, NY is $1,620 (±$383) a month, including taxes, insurance and utilities.
How much are property taxes in the Town of Caroga?
The median real estate tax paid by homeowners in the Town of Caroga, NY is $2,547 (±$464) a year (2020–2024 American Community Survey).
How many homes are in the Town of Caroga?
The Town of Caroga, NY has an estimated 1,590 (±124) housing units, occupied and vacant (2020–2024 American Community Survey).
What is the most common home size in the Town of Caroga?
The most common size is 3 bedrooms, 40.9% of homes in the Town of Caroga, NY.
Is the Town of Caroga growing?
In the Town of Caroga, the number of residents went from 1,238 in 2015–2019 to 983 in 2020–2024 (−20.6%), not a measurable change.
What ZIP codes are in the Town of Caroga?
The ZIP code that covers the Town of Caroga is 12032.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Caroga town, Fulton County, New York
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Caroga town, Fulton County, New York
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Caroga town, Fulton County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Caroga town, Fulton County, New York
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Caroga town, Fulton County, New York
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Caroga town, Fulton County, New York
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Caroga town, Fulton County, New York
- HUD Fair Market Rents, fiscal year 2027: Fulton County, NY
- HUD Income Limits, fiscal year 2026: Fulton County, NY
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Caroga town, Fulton County, New York (county subdivision:12573, in state:36 county:035).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .