ZIP Code 12723 — Hortonville CDP, NY Demographics & Data

ZIP code 12723 covers Hortonville, NY in Sullivan County with a population of about 1,854.

At a glance, the area shows median age of 47.1 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 12723 is about $94,940 — about 26% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 3.2%; 41.3% of adults with a bachelor’s degree or higher (about 7.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Education, and Healthcare; about 31.3% of workers reporting work-from-home (about 16.1 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 $232,800 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.4% (about 16.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12723 in Hortonville, NY, a household would need roughly $64,000 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 $1,495. That sits below the local median household income ($94,940), 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 Hortonville CDP, NY as Relatively Low (composite score 78.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.6) and hurricane (79.2). 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 Hortonville CDP, NY show little to no average snow and around 50.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 80 for ZIP 12723 (Hortonville 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.