ZIP Code 12734 — Liberty village, NY Demographics & Data

ZIP code 12734 covers Liberty, NY in Sullivan County with a population of about 563.

At a glance, the area shows median age of 35.9 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 12734 is about $37,234 — about 50% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.0%; unemployment rate near 3.1%; 30.5% of adults with a bachelor’s degree or higher (about 3.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Manufacturing; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $241,700 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $585 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 63.3% (about 2.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12734 in Liberty, NY, a household would need roughly $67,000 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 $1,553. That is about 80% above the local median household income ($37,234), 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 Liberty village, 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 Liberty village, NY show little to no average snow and around 53.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 24 for ZIP 12734 (Liberty village, 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.