ZIP Code 10509 — Peach Lake CDP, NY Demographics & Data

ZIP code 10509 covers Peach Lake, NY in Putnam County with a population of about 20,055.

At a glance, the area shows median age of 43.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-17; the NEW YORK media market.

Median household income in ZIP 10509 is about $120,987 — about 61% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.5%; unemployment rate near 4.3%; 43.4% of adults with a bachelor’s degree or higher (about 9.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Administrative support; about 14.4% of workers reporting work-from-home (roughly in line with 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 $430,200 — about 24% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,670 (about 44% above the U.S. median rent ($1,163)), and owner-occupancy near 78.2% (about 12.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10509 in Peach Lake, NY, a household would need roughly $118,000 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 $2,763. That is roughly in line with the local median household income ($120,987). 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 Peach Lake CDP, NY as Very Low (composite score 39.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (73.2) and flood (57.4). 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 Peach Lake CDP, NY show little to no average snow and around 50.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 866 for ZIP 10509 (Peach Lake 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.