ZIP Code 12844 — undefined, NY Demographics & Data

ZIP code 12844 covers NY in Washington County with a population of about 207.

At a glance, the area shows median age of 69.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-21; the ALBANY - SCHENECTADY - TROY media market.

NY ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$181,696)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 12844 is about $181,696 — about 142% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 0.0%; 63.9% of adults with a bachelor’s degree or higher (about 30.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Real estate, Retail trade, and Healthcare; about 2.8% of workers reporting work-from-home (about 12.4 points below the U.S. share (15.2%)); a mean commute of about 70.0 minutes (U.S. average near 26.8).

Median home value is about $1,037,500 — about 198% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.5% (about 25.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12844 in NY, a household would need roughly $286,000 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 $6,665. That is about 57% above the local median household income ($181,696), so the median earner would likely stretch or need a larger down payment. 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 NY as Relatively Low (composite score 56.6), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (72.7) and flood (70.7). 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 NY show little to no average snow and around 38.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 12844 (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.