ZIP Code 12031 — undefined, NY Demographics & Data

ZIP code 12031 covers NY in Schoharie County with a population of about 224.

At a glance, the area shows median age of 52.9 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.

NY fits a retirement-oriented profile (high share of residents 65+ (38.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 12031 is about $83,056 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 0.0%; 22.4% of adults with a bachelor’s degree or higher (about 11.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Finance and insurance, and Transportation; about 16.8% of workers reporting work-from-home (about 1.6 points above the U.S. share (15.2%)); a mean commute of about 94.0 minutes (U.S. average near 26.8).

Median home value is about $286,300 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 77.9% (about 12.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12031 in NY, a household would need roughly $79,000 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 $1,839. That is roughly in line with the local median household income ($83,056). 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 NY as Very Low (composite score 41.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (65.6) and hurricane (64.8). 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 NY show little to no average snow and around 40.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 12031 (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.