ZIP Code 12194 — undefined, NY Demographics & Data

ZIP code 12194 covers NY in Schoharie County with a population of about 213.

At a glance, the area shows median age of 38.5 (near the U.S. median).

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 12194 is about $81,250 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 1.4%; 21.4% of adults with a bachelor’s degree or higher (about 12.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Other services; about 4.2% of workers reporting work-from-home (about 11.0 points below the U.S. share (15.2%)); a mean commute of about 69.0 minutes (U.S. average near 26.8).

Median home value is about $232,000 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 88.6% (about 23.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12194 in NY, a household would need roughly $64,000 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 $1,490. That sits below the local median household income ($81,250), 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 44.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 12194 (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.