ZIP Code 12531 — Shorehaven CDP, NY Demographics & Data

ZIP code 12531 covers Shorehaven, NY in Dutchess County with a population of about 2,316.

At a glance, the area shows median age of 50.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-17; the NEW YORK media market.

Median household income in ZIP 12531 is about $126,319 — about 68% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.6%; unemployment rate near 11.3%; 47.1% of adults with a bachelor’s degree or higher (about 13.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Finance and insurance; about 12.8% of workers reporting work-from-home (about 2.4 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 $434,500 — about 25% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12531 in Shorehaven, NY, a household would need roughly $120,000 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 $2,791. That is roughly in line with the local median household income ($126,319). 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 Shorehaven CDP, NY as Relatively Moderate (composite score 88.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (92.4) and hurricane (90.8). 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 Shorehaven CDP, NY show little to no average snow and around 48.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 100 for ZIP 12531 (Shorehaven 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.