ZIP Code 12814 — Bolton Landing CDP, NY Demographics & Data

ZIP code 12814 covers Bolton Landing, NY in Warren County with a population of about 1,145.

At a glance, the area shows median age of 59.5 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.

Bolton Landing, NY fits a retirement-oriented profile (high share of residents 65+ (35.6%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 12814 is about $114,861 — about 53% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 2.3%; 33.1% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Healthcare; about 3.8% of workers reporting work-from-home (about 11.4 points below 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 $240,900 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,057 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 86.7% (about 21.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12814 in Bolton Landing, NY, a household would need roughly $66,000 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 $1,547. That sits below the local median household income ($114,861), 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 Bolton Landing CDP, NY as Relatively Low (composite score 62.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (71.5) and hurricane (67.2). 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 Bolton Landing CDP, NY show little to no average snow and around 42.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 49 for ZIP 12814 (Bolton Landing 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.