ZIP Code 12455 — Margaretville village, NY Demographics & Data

ZIP code 12455 covers Margaretville, NY in Delaware County with a population of about 1,859.

At a glance, the area shows median age of 56.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-19; the BINGHAMTON media market.

Margaretville, 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 12455 is about $74,271 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 1.3%; 26.5% of adults with a bachelor’s degree or higher (about 7.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Education; about 28.4% of workers reporting work-from-home (about 13.2 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 $219,600 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $935 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 76.4% (about 11.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12455 in Margaretville, NY, a household would need roughly $60,000 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 $1,411. That sits below the local median household income ($74,271), 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 Margaretville village, 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 Margaretville village, NY show little to no average snow and around 48.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 80 for ZIP 12455 (Margaretville village, 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.