ZIP Code 12475 — Ruby CDP, NY Demographics & Data

ZIP code 12475 covers Ruby, NY in Ulster County with a population of about 569.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 329, 845; U.S. House district NY-18; the NEW YORK media market.

Median household income in ZIP 12475 is about $79,402 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 0.0%; 8.8% of adults with a bachelor’s degree or higher (about 24.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 1.8% of workers reporting work-from-home (about 13.4 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 $350,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 64.2% (about 1.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12475 in Ruby, NY, a household would need roughly $96,000 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 $2,248. That is about 21% above the local median household income ($79,402), 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 Ruby 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 Ruby CDP, NY show little to no average snow and around 67.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 25 for ZIP 12475 (Ruby 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.