ZIP Code 12985 — undefined, NY Demographics & Data

ZIP code 12985 covers NY in Clinton County with a population of about 775.

At a glance, the area shows median age of 50.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 12985 is about $74,432 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.9%; unemployment rate near 2.4%; 16.5% of adults with a bachelor’s degree or higher (about 17.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Public administration, and Education; about 9.4% of workers reporting work-from-home (about 5.8 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 $157,700 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 85.3% (about 19.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12985 in NY, a household would need roughly $43,000 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 $1,013. That sits below the local median household income ($74,432), 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 NY as Relatively Low (composite score 68.8), which is near the middle of the national distribution. The strongest component scores on US5 are flood (82.4) and hurricane (61.2). 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 NY show little to no average snow.

IRS migration statistics show a net inflow of about 33 for ZIP 12985 (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.