ZIP Code 12574 — Rhinecliff CDP, NY Demographics & Data

ZIP code 12574 covers Rhinecliff, NY in Dutchess County with a population of about 422.

At a glance, the area shows median age of 59.6 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.

Rhinecliff, NY fits a retirement-oriented profile (high share of residents 65+ (49.3%)). 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 6.2%; unemployment rate near 2.8%; 63.5% of adults with a bachelor’s degree or higher (about 29.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Information, and Real estate; about 32.3% of workers reporting work-from-home (about 17.1 points above the U.S. share (15.2%)); a mean commute of about 168.0 minutes (U.S. average near 26.8).

Median home value is about $589,300 — about 69% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.4% (about 29.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12574 in Rhinecliff, NY, a household would need roughly $162,000 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 $3,786. 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 Rhinecliff CDP, 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 Rhinecliff CDP, NY show little to no average snow and around 50.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 12574 (Rhinecliff 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.