ZIP Code 12563 — Putnam Lake CDP, NY Demographics & Data

ZIP code 12563 covers Putnam Lake, NY in Putnam County with a population of about 7,456.

At a glance, the area shows median age of 42.3 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 12563 is about $102,472 — about 36% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.2%; unemployment rate near 5.9%; 28.5% of adults with a bachelor’s degree or higher (about 5.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 10.9% of workers reporting work-from-home (about 4.3 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 $358,200 — about 3% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,852 (about 59% above the U.S. median rent ($1,163)), and owner-occupancy near 84.4% (about 19.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12563 in Putnam Lake, NY, a household would need roughly $99,000 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 $2,301. That is roughly in line with the local median household income ($102,472). 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 Putnam Lake CDP, NY as Very Low (composite score 39.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (73.2) and flood (57.4). 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 Putnam Lake CDP, NY show little to no average snow and around 50.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 322 for ZIP 12563 (Putnam Lake 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.