ZIP Code 12564 — Pawling village, NY Demographics & Data

ZIP code 12564 covers Pawling, NY in Dutchess County with a population of about 7,910.

At a glance, the area shows median age of 46.7 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 12564 is about $111,683 — about 49% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 3.0%; 39.7% of adults with a bachelor’s degree or higher (about 6.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Manufacturing; about 14.5% 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 $420,900 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,184 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 76.9% (about 11.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12564 in Pawling, NY, a household would need roughly $116,000 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 $2,704. That is roughly in line with the local median household income ($111,683). 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 Pawling village, 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 Pawling village, NY show little to no average snow and around 50.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 342 for ZIP 12564 (Pawling village, 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.