ZIP Code · NY

ZIP 12078

Part of Gloversville, NY

Pop. 22,589·Fulton County·334th most expensive ZIP in New York

Median rent (all units)

$1,000/mo

Year-over-Year

Stable

Month-over-Month

-2.4%

vs US Median

-$932

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 12078 · $1,000

More affordable than 98% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$830

1 BR

$840

2 BR

$1,100

3 BR

$1,320

4 BR+

$1,490

Research median

$1,100/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($58,367) is $1,459 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,320); a 4-bedroom is $1,490.

From Zillow's monthly rent index (ZORI) for ZIP 12078. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$12,000/yr

At $1,000/mo median

Location

CityGloversville

StateNY

CountyFulton County

Rent Market Meter

Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are softening (down 0.0% YoY), so renters have negotiating leverage.

Based on rent-price momentum (+0.0% YoY, -2.4% MoM), not inventory.

Demographics

Who lives here

ZIP 12078 (Gloversville, NY) is majority owner-occupied, has a median income below the national average, 18.6% of residents hold a bachelor's degree or higher.

Population

22,589

Median income

$58,367

Median age

40.7

Renters

35.9%

Age distribution

20.4%

20.3%

23.6%

16.2%

19.6%

Under 1820.4%

18–3420.3%

35–5423.6%

55–6416.2%

65+19.6%

Gender

49.6%

50.4%

Male49.6%

Female50.4%

Race & ethnicity

86.9%

White86.9%

Black1.4%

Hispanic5.5%

Asian1.1%

Other5.1%

Education (25+)

34.6%

35.2%

18.6%

No HS diploma11.7%

HS diploma34.6%

Some college35.2%

Bachelor's+18.6%

Housing tenure

64.1%

35.9%

Owner64.1%

Renter35.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 12078 in Gloversville, NY has changed in 5 years

Income

$46,386 → $58,367

up 25.8%

Population

23,048 → 22,589

down 2.0%

Renter share

39.5% → 35.9%

-3.6 pts

Bachelor's+

16.4% → 18.6%

+2.2 pts

Median age

43.3 → 40.7

-2.6 yrs

Census figures show median household income at $58,367 today, compared with $46,386 five years earlier. Headcount in the area went from 23,048 to 22,589 between 2021 and 2024, a 2.0% change. About 35.9% of households rent today, against 39.5% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 16.4% to 18.6%.

Community

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Local insights

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About renting in ZIP 12078

Last updated: October 17, 2026

ZIP code 12078 covers Gloversville, NY. The median rent here is $1,000/mo as of October 2026. A 1-bedroom rents for a median of $840/mo. A 2-bedroom rents for a median of $1,100/mo.

At 21% of local median household income ($58,367/yr), ZIP 12078 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 12078?

To keep rent at or below 30% of gross income, you would need to earn at least $40,000/year (about $19/hour full-time) to afford the median rent of $1,000/mo in ZIP 12078. The local median household income is $58,367/yr, so the typical household meets that bar.