ZIP Code 12738 — Rock Hill CDP, NY Demographics & Data

ZIP code 12738 covers Rock Hill, NY in Sullivan County with a population of about 444.

At a glance, the area shows median age of 43.1 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.

Rock Hill, NY reads as a military / base-oriented community on US5’s intent model (elevated veteran share (22.3%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 12738 is about $72,479 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.5%; unemployment rate near 0.0%; 18.3% of adults with a bachelor’s degree or higher (about 15.4 points below the national share (33.7%)).

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

Housing tenure and rents show owner-occupancy near 43.7% (about 21.7 points below the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Rock Hill 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 Rock Hill CDP, NY show little to no average snow and around 51.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 12738 (Rock Hill 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.