ZIP Code 12577 — Beaver Dam Lake CDP, NY Demographics & Data

ZIP code 12577 covers Beaver Dam Lake, NY in Orange County with a population of about 1,613.

At a glance, the area shows median age of 38.9 (near the U.S. median).

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

Beaver Dam Lake, NY ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$150,321)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 12577 is about $150,321 — about 100% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.7%; unemployment rate near 12.7%; 45.9% of adults with a bachelor’s degree or higher (about 12.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Construction; about 11.6% of workers reporting work-from-home (about 3.6 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 $460,100 — about 32% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.9% (about 21.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12577 in Beaver Dam Lake, NY, a household would need roughly $127,000 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 $2,956. That sits below the local median household income ($150,321), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Beaver Dam Lake CDP, NY as Relatively Moderate (composite score 90.6), which is among the highest nationally. The strongest component scores on US5 are flood (93.4) 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 Beaver Dam Lake CDP, NY show little to no average snow and around 51.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 70 for ZIP 12577 (Beaver Dam 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.