ZIP Code 12440 — High Falls CDP, NY Demographics & Data

ZIP code 12440 covers High Falls, NY in Ulster County with a population of about 1,577.

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.

Median household income in ZIP 12440 is about $102,958 — about 37% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 5.2%; 58.3% of adults with a bachelor’s degree or higher (about 24.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 21.3% of workers reporting work-from-home (about 6.1 points above 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 $389,000 — about 12% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,010 (about 13% below the U.S. median rent ($1,163)), and owner-occupancy near 83.7% (about 18.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12440 in High Falls, NY, a household would need roughly $107,000 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 $2,499. That is roughly in line with the local median household income ($102,958). 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 High Falls CDP, 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 High Falls CDP, NY show little to no average snow and around 52.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 68 for ZIP 12440 (High Falls 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.