ZIP Code 12495 — undefined, NY Demographics & Data

ZIP code 12495 covers NY in Ulster County with a population of about 229.

At a glance, the area shows median age of 72.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-18; the NEW YORK media market.

NY fits a retirement-oriented profile (high share of residents 65+ (74.7%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 17.7%; 80.3% of adults with a bachelor’s degree or higher (about 46.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 23.5% of workers reporting work-from-home (about 8.3 points above the U.S. share (15.2%)); a mean commute of about 39.0 minutes (U.S. average near 26.8).

Median home value is about $345,500 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.6% (about 19.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12495 in NY, a household would need roughly $95,000 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 $2,219. 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 67.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 12495 (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.