ZIP Code 12464 — Phoenicia CDP, NY Demographics & Data

ZIP code 12464 covers Phoenicia, NY in Ulster County with a population of about 1,071.

At a glance, the area shows median age of 58.1 versus a U.S. median of about 38.9.

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

Phoenicia, 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 12464 is about $75,291 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 28.5%; unemployment rate near 2.2%; 46.4% of adults with a bachelor’s degree or higher (about 12.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; about 22.1% of workers reporting work-from-home (about 6.9 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 $368,400 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $926 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 70.2% (about 4.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12464 in Phoenicia, NY, a household would need roughly $101,000 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 $2,367. That is about 34% above the local median household income ($75,291), 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 Phoenicia CDP, NY as Relatively Moderate (composite score 87.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.9) and hurricane (86.9). 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 Phoenicia CDP, NY show little to no average snow and around 63.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 46 for ZIP 12464 (Phoenicia 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.