ZIP Code 12474 — undefined, NY Demographics & Data

ZIP code 12474 covers NY in Delaware County with a population of about 891.

At a glance, the area shows median age of 60.4 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+ (40.3%)). 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 12474 is about $54,462 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.1%; unemployment rate near 11.4%; 32.4% of adults with a bachelor’s degree or higher (about 1.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Arts and entertainment, and Professional services; about 7.5% of workers reporting work-from-home (about 7.7 points below 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 $213,300 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $636 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 92.7% (about 27.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12474 in NY, a household would need roughly $59,000 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 $1,370. That is roughly in line with the local median household income ($54,462). 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 38 for ZIP 12474 (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.