ZIP Code 12828 — Fort Edward village, NY Demographics & Data

ZIP code 12828 covers Fort Edward, NY in Washington County with a population of about 9,775.

At a glance, the area shows median age of 44.9 versus a U.S. median of about 38.9.

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

Fort Edward, 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 12828 is about $77,776 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 1.4%; 18.8% of adults with a bachelor’s degree or higher (about 15.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 7.8% of workers reporting work-from-home (about 7.4 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 $213,600 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $936 (about 20% 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 12828 in Fort Edward, NY, a household would need roughly $59,000 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 $1,372. That sits below the local median household income ($77,776), 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 Edward village, NY as Relatively Low (composite score 56.6), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (72.7) and flood (70.7). 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 Edward village, NY show little to no average snow and around 38.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 422 for ZIP 12828 (Fort Edward village, 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.