ZIP Code 12512 — undefined, NY Demographics & Data

ZIP code 12512 covers NY in Dutchess County with a population of about 232.

At a glance, the area shows median age of 49.9 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.

Median household income in ZIP 12512 is about $96,151 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 72.2% of adults with a bachelor’s degree or higher (about 38.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Information, Healthcare, and Food services; about 19.9% of workers reporting work-from-home (about 4.7 points above the U.S. share (15.2%)); a mean commute of about 137.0 minutes (U.S. average near 26.8).

Median home value is about $435,300 — about 25% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 85.2% (about 19.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12512 in NY, a household would need roughly $120,000 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 $2,796. That is about 25% above the local median household income ($96,151), so the median earner would likely stretch or need a larger down payment. 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 88.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (92.4) and hurricane (90.8). 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 41.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 12512 (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.