ZIP Code 12812 — undefined, NY Demographics & Data

ZIP code 12812 covers NY in Hamilton County with a population of about 265.

At a glance, the area shows median age of 67.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-21; the ALBANY - SCHENECTADY - TROY media market.

NY ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$170,156)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 12812 is about $170,156 — about 126% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.5%; unemployment rate near 0.0%; 26.1% of adults with a bachelor’s degree or higher (about 7.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Public administration, and Education; about 85.6% of workers reporting work-from-home (about 70.4 points above the U.S. share (15.2%)); a mean commute of about 26.0 minutes (U.S. average near 26.8).

Median home value is about $392,900 — about 13% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12812 in NY, a household would need roughly $108,000 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 $2,524. That sits below the local median household income ($170,156), 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 NY as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (46.9) and flood (41.8). 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 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 12812 (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.