ZIP code 12545

ZIP 12545 is a small town in Dutchess County, New York, with 4,389 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #768 of 1,824 ranked by population — larger than 57% of them. The median age here is 56.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 12545 earn a median of $77,991 a year, essentially level with the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 12.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 12545 is valued at $414,800, 36.7% above the national figure, while median gross rent runs $1,207 a month, 14.2% below the national figure, or roughly $14,484 across a full year. A household on the local median income would put about 18.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 5.3×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 58.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 56.4 puts ZIP 12545 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 12545 is tabulated inside Dutchess County, New York, one of 34 ZIP areas the Census publishes for that county and 1,826 across New York. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 12545 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 12545 reports a median household income of $77,991, 20% below the $97,810 county median, and close to the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $414,800, 9% above the county figure and 78% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,207 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New York charges 4% statewide, and local governments overlapping 12545 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 12545 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.