ZIP Code 12489 — Napanoch CDP, NY Demographics & Data

ZIP code 12489 covers Napanoch, NY in Ulster County with a population of about 114.

At a glance, the area shows median age of 67.5 versus a U.S. median of about 38.9.

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

Napanoch, NY fits a retirement-oriented profile (high share of residents 65+ (79.8%)). 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 12489 is about $26,100 — about 65% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.9%; unemployment rate near 0.0%; 17.5% of adults with a bachelor’s degree or higher (about 16.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation and Food services; a mean commute of about 2.0 minutes (U.S. average near 26.8).

Median home value is about $245,200 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 65.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12489 in Napanoch, NY, a household would need roughly $68,000 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 $1,575. That is about 161% above the local median household income ($26,100), 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 Napanoch 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 Napanoch CDP, NY show little to no average snow and around 52.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 12489 (Napanoch 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.