ZIP Code 12040 — undefined, NY Demographics & Data

ZIP code 12040 covers NY in Rensselaer County with a population of about 29.

At a glance, the area shows median age of 39.7 (near the U.S. median).

It sits in telephone area codes 518, 838; U.S. House district NY-19; the ALBANY - SCHENECTADY - TROY media market.

Median household income in ZIP 12040 is about $55,682 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 31.0%; unemployment rate near 0.0%; 13.8% of adults with a bachelor’s degree or higher (about 19.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services and Manufacturing; a mean commute of about 13.0 minutes (U.S. average near 26.8).

Median home value is about $309,100 — about 11% below 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 12040 in NY, a household would need roughly $85,000 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 $1,986. That is about 53% above the local median household income ($55,682), 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 NY as Relatively Moderate (composite score 82.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (89.0) and hurricane (79.4). 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 42.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1 for ZIP 12040 (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.