ZIP Code 12540 — Freedom Plains CDP, NY Demographics & Data

ZIP code 12540 covers Freedom Plains, NY in Dutchess County with a population of about 9,314.

At a glance, the area shows median age of 40.2 (near the U.S. median).

It sits in telephone area codes 329, 845; U.S. House district NY-18; the NEW YORK media market.

Median household income in ZIP 12540 is about $107,436 — about 43% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.7%; unemployment rate near 4.6%; 42.7% of adults with a bachelor’s degree or higher (about 9.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 10.0% of workers reporting work-from-home (about 5.2 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 $443,800 — about 27% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,739 (about 50% above the U.S. median rent ($1,163)), and owner-occupancy near 86.3% (about 20.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12540 in Freedom Plains, NY, a household would need roughly $122,000 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 $2,851. That is roughly in line with the local median household income ($107,436). 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 Freedom Plains 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 Freedom Plains CDP, NY show little to no average snow and around 45.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 402 for ZIP 12540 (Freedom Plains 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.