ZIP Code 12496 — Windham CDP, NY Demographics & Data

ZIP code 12496 covers Windham, NY in Greene County with a population of about 1,241.

At a glance, the area shows median age of 57.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-19; the ALBANY - SCHENECTADY - TROY media market.

Windham, NY fits a retirement-oriented profile (older median age or known retirement-community context). 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 12496 is about $68,173 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 3.8%; 46.0% of adults with a bachelor’s degree or higher (about 12.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Food services; about 14.9% of workers reporting work-from-home (roughly in line with 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 $288,200 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.8% (about 22.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12496 in Windham, NY, a household would need roughly $79,000 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 $1,851. That is about 16% above the local median household income ($68,173), 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 Windham CDP, NY as Relatively Low (composite score 68.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (81.8) and hurricane (81.4). 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 Windham CDP, NY show little to no average snow and around 56.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 54 for ZIP 12496 (Windham 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.