ZIP Code 12860 — Pottersville CDP, NY Demographics & Data

ZIP code 12860 covers Pottersville, NY in Warren County with a population of about 377.

At a glance, the area shows median age of 44.3 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.

Pottersville, NY sits in a university / college context (near word of life bible institute (2.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

On socioeconomic markers, US5 shows a poverty rate of 18.0%; unemployment rate near 12.4%; 26.8% of adults with a bachelor’s degree or higher (about 6.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Arts and entertainment, and Food services; about 8.6% of workers reporting work-from-home (about 6.6 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 $214,300 — about 38% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 83.0% (about 17.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12860 in Pottersville, NY, a household would need roughly $59,000 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 $1,377. 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 Pottersville 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 Pottersville CDP, NY show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 12860 (Pottersville 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.