ZIP Code 12421 — undefined, NY Demographics & Data

ZIP code 12421 covers NY in Delaware County with a population of about 238.

At a glance, the area shows median age of 71.5 versus a U.S. median of about 38.9.

It sits in telephone area code 607; U.S. House district NY-19; the BINGHAMTON media market.

NY fits a retirement-oriented profile (high share of residents 65+ (55.5%)). 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 12421 is about $97,545 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.7%; unemployment rate near 15.0%; 35.0% of adults with a bachelor’s degree or higher (about 1.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Other services; a mean commute of about 130.0 minutes (U.S. average near 26.8).

Median home value is about $317,600 — about 9% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 71.1% (about 5.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12421 in NY, a household would need roughly $87,000 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 $2,040. That sits below the local median household income ($97,545), 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 Relatively Moderate (composite score 83.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.2) and hurricane (76.8). 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 10 for ZIP 12421 (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.