ZIP Code 12534 — Stottville CDP, NY Demographics & Data

ZIP code 12534 covers Stottville, NY in Columbia County with a population of about 17,468.

At a glance, the area shows median age of 46.6 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.

Median household income in ZIP 12534 is about $76,086 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.5%; unemployment rate near 4.5%; 33.4% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 12.7% of workers reporting work-from-home (about 2.5 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 $260,800 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,092 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 61.5% (about 3.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12534 in Stottville, NY, a household would need roughly $72,000 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 $1,675. That is roughly in line with the local median household income ($76,086). 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 Stottville CDP, NY as Relatively Low (composite score 68.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (81.3) and flood (79.9). 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 Stottville CDP, NY show little to no average snow and around 44.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 754 for ZIP 12534 (Stottville 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.