ZIP Code 12190 — Wells CDP, NY Demographics & Data

ZIP code 12190 covers Wells, NY in Hamilton County with a population of about 683.

At a glance, the area shows median age of 54.7 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.

Median household income in ZIP 12190 is about $55,568 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.3%; unemployment rate near 10.7%; 16.3% of adults with a bachelor’s degree or higher (about 17.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Education, and Construction; 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 $253,400 — about 27% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $479 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 84.1% (about 18.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12190 in Wells, NY, a household would need roughly $70,000 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 $1,628. That is about 26% above the local median household income ($55,568), 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 Wells CDP, NY as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (46.9) and flood (41.8). 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 Wells 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 29 for ZIP 12190 (Wells 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.