ZIP Code 11724 — Cold Spring Harbor CDP, NY Demographics & Data

ZIP code 11724 covers Cold Spring Harbor, NY in Suffolk County with a population of about 2,956.

At a glance, the area shows median age of 40.2 (near the U.S. median).

It sits in telephone area codes 631, 934; U.S. House district NY-3; the NEW YORK media market.

Cold Spring Harbor, NY aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 11724 is about $250,001 — about 233% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.5%; unemployment rate near 1.6%; 80.0% of adults with a bachelor’s degree or higher (about 46.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Finance and insurance; about 25.4% of workers reporting work-from-home (about 10.2 points above 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 $1,571,600 — about 352% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,192 (about 88% above the U.S. median rent ($1,163)), and owner-occupancy near 94.8% (about 29.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 11724 in Cold Spring Harbor, NY, a household would need roughly $433,000 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 $10,096. That is about 73% above the local median household income ($250,001), 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 Cold Spring Harbor CDP, NY as Relatively High (composite score 97.3), which is among the highest nationally. The strongest component scores on US5 are flood (98.3) and hurricane (96.8). 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 Cold Spring Harbor CDP, NY show little to no average snow and around 48.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 128 for ZIP 11724 (Cold Spring Harbor 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.