ZIP Code 12435 — undefined, NY Demographics & Data

ZIP code 12435 covers NY in Ulster County with a population of about 181.

At a glance, the area shows median age of 51.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-19; the NEW YORK media market.

NY sits in a university / college context (near yeshiva of ocean (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 12435 is about $84,479 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.4%; unemployment rate near 0.0%; 16.2% of adults with a bachelor’s degree or higher (about 17.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Professional services, and Administrative support; about 18.2% of workers reporting work-from-home (about 3.0 points above the U.S. share (15.2%)); a mean commute of about 63.0 minutes (U.S. average near 26.8).

Median home value is about $262,900 — about 24% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12435 in NY, a household would need roughly $72,000 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 $1,689. That sits below the local median household income ($84,479), 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 NY as Relatively Moderate (composite score 87.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.9) and hurricane (86.9). 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 51.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 12435 (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.