ZIP Code 12701 — Monticello village, NY Demographics & Data

ZIP code 12701 covers Monticello, NY in Sullivan County with a population of about 12,191.

At a glance, the area shows median age of 38.0 (near the U.S. median).

It sits in telephone area codes 329, 845; U.S. House district NY-19; the NEW YORK media market.

Median household income in ZIP 12701 is about $56,601 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.5%; unemployment rate near 6.4%; 23.0% of adults with a bachelor’s degree or higher (about 10.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 6.6% of workers reporting work-from-home (about 8.6 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 $178,300 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $897 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 41.7% (about 23.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12701 in Monticello, NY, a household would need roughly $49,000 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 $1,145. That sits below the local median household income ($56,601), 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 Monticello village, NY as Relatively Low (composite score 78.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.6) and hurricane (79.2). 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 Monticello village, NY show little to no average snow and around 51.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 527 for ZIP 12701 (Monticello 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.