Census tract · Montgomery County
Census Tract 728, Montgomery County, New York
Census Tract 728, GEOID 36057072800, in Montgomery County, New York, mostly within Florida (town) (65% of its census blocks). 4,084 residents in the ACS 2020-2024 5-year estimates (±183); the 2020 Census counted 4,022.
Residents, 2020-2024
4,084
±183 (90% margin)
2020 Census count: 4,022
Median household income
$92,712
±$4,720 (90% margin)
Montgomery County: $64,943
Median home value
$203,900
±$20,269 (90% margin)
Montgomery County: $157,500
Median gross rent
$1,163
±$348 (90% margin)
Montgomery County: $940
Where is Census Tract 728?
Census Tract 728 is one of 16 census tracts in Montgomery County, New York. It covers 92.13 square miles of land, 44 residents per square mile in 2020. Its GEOID, 36057072800, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Florida (town) | 65% |
| Charleston (town) | 35% |
11 census tracts border Census Tract 728: Tract 702 ($50,377), Tract 704 ($71,726), Tract 709 ($41,417), Tract 721 ($83,989), Tract 722 ($81,473), Tract 727 ($77,181), Tract 326.02 in Schenectady County ($78,654), Tract 331.01 in Schenectady County ($98,438), Tract 331.02 in Schenectady County ($95,378), Tract 7401 in Schoharie County ($71,957) and Tract 7404 in Schoharie County ($79,432). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 728?
The 2020-2024 American Community Survey puts Census Tract 728's population at 4,084 (±183) in 1,677 households; the 2020 Census counted 4,022 residents and 1,812 housing units.
| Measure | Tract 728 | Florida (town) |
|---|---|---|
| Total population | 4,084 ±183 | 2,690 |
| Households | 1,677 ±148 | 1,168 |
| Average household size | 2.42 ±0.21 | 2.30 |
| Housing units | 1,861 ±142 | 1,278 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 728?
The median resident of Census Tract 728 is 45.3 years old; 16.9% are under 18 and 18.7% are 65 or older. The largest group is non-Hispanic white residents at 89.1%, then non-Hispanic residents of two or more races at 4.4%.
| Measure | Tract 728 | Florida (town) |
|---|---|---|
| Median age | 45.3 ±4.7 | 50.6 |
| Under 18 years | 16.9% ±3.4 pts | 13.6% |
| 65 years and over | 18.7% ±3.3 pts | 23.1% |
| Hispanic or Latino (any race) | 2.9% ±2.5 pts | 4.1% |
| White alone, not Hispanic | 89.1% ±3.6 pts | 90.4% |
| Black or African American alone, not Hispanic | 1.3% ±1.3 pts | 1.3% |
| Asian alone, not Hispanic | 1.8% ±1.9 pts | 2.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.0 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.0 pts | 0.0% |
| Two or more races, not Hispanic | 4.4% ±2.1 pts | 1.2% |
| Some other race alone, not Hispanic | 0.5% ±0.5 pts | 0.4% |
| Born outside the United States | 4.7% ±3.2 pts | 6.7% |
| Speak a language other than English at home (age 5+) | 4.7% ±3.2 pts | 6.4% |
| Civilian veterans (age 18+) | 10.3% ±3.0 pts | 10.8% |
| With a disability | 13.9% ±3.3 pts | 13.6% |
| No health insurance coverage | 3.8% ±2.3 pts | 4.3% |
| High school graduate or higher (age 25+) | 90.2% ±3.3 pts | 91.0% |
| Bachelor's degree or higher (age 25+) | 23.3% ±5.3 pts | 24.3% |
| Graduate or professional degree (age 25+) | 11.7% ±4.3 pts | 14.7% |
| Lived in the same house a year earlier | 91.3% ±4.1 pts | 89.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 728 earn?
Half of the 1,677 households in Census Tract 728 earn less than $92,712 a year (±$4,720), against $64,943 across Montgomery County: 2nd highest of the county's 16 tracts with a reliable estimate. 5.6% of residents live below the poverty line.
| Measure | Tract 728 | Florida (town) |
|---|---|---|
| Median household income | $92,712 ±$4,720 | $93,008 |
| Mean household income | $102,859 ±$7,022 | $105,122 |
| Per capita income | $42,360 ±$2,703 | $46,159 |
| People below the poverty line | 5.6% ±2.1 pts | 6.3% |
| Children under 18 below the poverty line | 4.6% ±6.4 pts | 8.7% |
| Households receiving SNAP | 8.2% ±3.6 pts | 6.8% |
| Households with a computer | 97.3% ±1.5 pts | 98.3% |
| Households with a broadband subscription | 82.7% ±6.3 pts | 79.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 728?
Owners occupy 90.5% of Census Tract 728's occupied homes and renters 9.5%. The median owner-occupied home is valued at $203,900 by its owner (±$20,269). The median renter pays $1,163 a month including utilities, and 40.2% of renters pay 35% or more of their income on rent.
| Measure | Tract 728 | Florida (town) |
|---|---|---|
| Median home value (owner-occupied) | $203,900 ±$20,269 | $214,300 |
| Median gross rent | $1,163 ±$348 | $1,031 |
| Renters paying 35% or more of income on rent | 40.2% ±23.5 pts | 39.6% |
| Median monthly owner costs, with a mortgage | $2,003 ±$181 | $2,037 |
| Owner-occupied homes | 90.5% ±3.7 pts | 89.9% |
| Renter-occupied homes | 9.5% ±3.7 pts | 10.1% |
| Housing units | 1,861 ±142 | 1,278 |
| Single-family detached homes | 86.6% ±3.6 pts | 93.7% |
| Mobile homes | 12.7% ±3.4 pts | 5.8% |
| Built 2020 or later | 1.9% ±1.6 pts | 2.3% |
| Built 2010 to 2019 | 6.3% ±2.3 pts | 5.0% |
| Built 1939 or earlier | 32.0% ±6.2 pts | 36.3% |
| Households with no vehicle | 2.1% ±2.1 pts | 2.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 728 get to work?
75.8% of Census Tract 728's workers drive alone and 11.2% work from home. The average trip to work takes 28.7 minutes. The unemployment rate in 2020-2024 averaged 6.4%.
| Measure | Tract 728 | Florida (town) |
|---|---|---|
| In the labor force (age 16+) | 72.4% ±4.6 pts | 73.8% |
| Unemployment rate | 6.4% ±3.7 pts | 6.0% |
| Drove alone to work | 75.8% ±7.7 pts | 74.1% |
| Carpooled | 9.8% ±6.1 pts | 10.0% |
| Public transportation | 0.0% ±1.8 pts | 0.0% |
| Walked | 3.2% ±3.6 pts | 3.2% |
| Worked from home | 11.2% ±4.5 pts | 12.7% |
| Mean travel time to work | 28.7 min ±2.8 | 26.3 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 728 compare with the other tracts in Montgomery County?
Among Montgomery County's tracts with a reliable estimate, Census Tract 728 ranks as shown below (1 = highest).
| Measure | In Montgomery County |
|---|---|
| Population | 4th of 16 |
| Residents per square mile | 16th of 16 |
| Median household income | 2nd of 16 |
| Per capita income | 2nd of 16 |
| Median home value | 2nd of 16 |
| Median gross rent | 1st of 16 |
| Poverty rate | 13th of 13 |
| Bachelor's degree or higher | 6th of 16 |
| Median age | 6th of 16 |
| Owner-occupied share | 2nd of 16 |
The tracts next to it on Montgomery County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 705 | 1st | $94,844±$35,184 · within the margin of this tract |
| Tract 728 | 2nd | $92,712±$4,720 |
| Tract 721 | 3rd | $83,989±$17,090 · within the margin of this tract |
| Tract 707 | 4th | $83,190±$18,273 · within the margin of this tract |
| Tract 722 | 5th | $81,473±$11,054 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 728?
3 of the 18 figures for Census Tract 728 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections