ZIP Code 12465 — Pine Hill CDP, NY Demographics & Data

ZIP code 12465 covers Pine Hill, NY in Ulster County with a population of about 329.

At a glance, the area shows median age of 60.2 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.

Pine Hill, NY fits a retirement-oriented profile (high share of residents 65+ (38.3%)). 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 12465 is about $84,141 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.6%; unemployment rate near 0.0%; 59.6% of adults with a bachelor’s degree or higher (about 25.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Food services; about 36.4% of workers reporting work-from-home (about 21.2 points above the U.S. share (15.2%)); a mean commute of about 98.0 minutes (U.S. average near 26.8).

Median home value is about $335,300 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.8% (about 26.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12465 in Pine Hill, NY, a household would need roughly $92,000 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 $2,154. That is roughly in line with the local median household income ($84,141). 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 Pine Hill 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 Pine Hill 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 14 for ZIP 12465 (Pine Hill 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.