ZIP Code 12491 — West Hurley CDP, NY Demographics & Data

ZIP code 12491 covers West Hurley, NY in Ulster County with a population of about 2,017.

At a glance, the area shows median age of 39.0 (near the U.S. median).

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

Median household income in ZIP 12491 is about $71,963 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.2%; unemployment rate near 0.9%; 51.4% of adults with a bachelor’s degree or higher (about 17.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Education; about 12.2% of workers reporting work-from-home (about 3.0 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 $331,900 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.8% (about 31.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12491 in West Hurley, NY, a household would need roughly $91,000 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 $2,132. That is about 26% above the local median household income ($71,963), 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 West Hurley 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 West Hurley 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 87 for ZIP 12491 (West Hurley 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.