ZIP Code 12989 — undefined, NY Demographics & Data

ZIP code 12989 covers NY in Franklin County with a population of about 1,012.

At a glance, the area shows median age of 55.5 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.

NY fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 12989 is about $78,438 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.1%; unemployment rate near 3.8%; 24.2% of adults with a bachelor’s degree or higher (about 9.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 7.0% of workers reporting work-from-home (about 8.2 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 $196,500 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $636 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 91.3% (about 25.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12989 in NY, a household would need roughly $54,000 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 $1,262. That sits below the local median household income ($78,438), 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 48.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (67.1) and hurricane (57.7). 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 36.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 44 for ZIP 12989 (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.