ZIP Code 12603 — Red Oaks Mill CDP, NY Demographics & Data

ZIP code 12603 covers Red Oaks Mill, NY in Dutchess County with a population of about 41,513.

At a glance, the area shows median age of 43.4 versus a U.S. median of about 38.9.

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

Red Oaks Mill, NY sits in a university / college context (near vassar college (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 12603 is about $104,185 — about 39% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.0%; unemployment rate near 3.3%; 46.9% of adults with a bachelor’s degree or higher (about 13.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 14.1% of workers reporting work-from-home (about 1.1 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 $342,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,450 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 71.8% (about 6.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12603 in Red Oaks Mill, NY, a household would need roughly $94,000 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 $2,197. That is roughly in line with the local median household income ($104,185). 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 Red Oaks Mill 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 Red Oaks Mill CDP, NY show little to no average snow and around 41.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,793 for ZIP 12603 (Red Oaks Mill 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.