ZIP Code 12187 — undefined, NY Demographics & Data

ZIP code 12187 covers NY in Schoharie County with a population of about 739.

At a glance, the area shows median age of 56.1 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 fits a retirement-oriented profile (older median age or known retirement-community context). 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 12187 is about $75,875 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.4%; unemployment rate near 12.1%; 16.6% of adults with a bachelor’s degree or higher (about 17.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Construction, and Public administration; about 20.1% of workers reporting work-from-home (about 4.9 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 $225,000 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.8% (about 28.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12187 in NY, a household would need roughly $62,000 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 $1,445. That sits below the local median household income ($75,875), 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 41.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (65.6) and hurricane (64.8). 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 40.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 32 for ZIP 12187 (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.