ZIP Code 12887 — Whitehall village, NY Demographics & Data

ZIP code 12887 covers Whitehall, NY in Washington County with a population of about 4,629.

At a glance, the area shows median age of 38.3 (near the U.S. median).

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

Median household income in ZIP 12887 is about $55,361 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.1%; unemployment rate near 6.8%; 15.6% of adults with a bachelor’s degree or higher (about 18.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 1.1% of workers reporting work-from-home (about 14.1 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 $121,600 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $816 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 70.8% (about 5.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12887 in Whitehall, NY, a household would need roughly $33,000 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 $781. That sits below the local median household income ($55,361), 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 Whitehall village, 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 Whitehall village, NY show little to no average snow and around 42.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 200 for ZIP 12887 (Whitehall 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.