PlainZIP

Accord, NY · standard

ZIP Code 12404

Ulster County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,385
37/sq mi
$77,214
Median income
$415,700
Median home value
55.3%
Bachelor's or higher

The verdict

Accord pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 42%
household income, US ZIPs
Top 19%
home value, US ZIPs
37
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12404 against every reporting US ZIP.

ZIP code 12404 covers 92.5 square miles in Accord, Ulster County, New York (a standard USPS delivery area), with a modest 3,385 residents on file, a density of 37 people per square mile, in the New York time zone.

ZIP 12404 lands in the middle-income range, with a median household income of $77,214 (17% below the New York average), while per-capita income is $57,956. Local economic indicators show a 10.8% poverty rate alongside 4.0% unemployment. Median home value sits at $415,700 (10% above the state average), median rent at $1,282 a month, and owner-occupancy at 82.6%.

This is a highly-educated ZIP: 55.3% of adults hold a bachelor's degree or higher, the median age is 50.4, and the average commute is 36 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 12404, plus 6 more within Ulster County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 12404

Top 5 sectors by establishment count in Accord, NY

Which industries have the most business establishments in ZIP 12404.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 12404, Accord, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

3,385

Population

92.5

Area (sq mi)

37

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 12404?

50.4

Median Age

45.1%

Male

54.9%

Female

4.2%

Foreign-Born

White 78.0%
African American 0.0%
Asian 1.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.3%
Hispanic or Latino 11.2%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$77,214

Median Household Income

-17% vs state

$57,956

Per Capita Income

10.8%

Poverty Rate

4.0%

Unemployment Rate

35.8 min

Mean Commute Time

How ZIP 12404 ranks nationally

Accord, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$77,214 Top 42% higher than 58% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 76.3%
Bachelor's Degree or Higher 55.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,454

Total Housing Units

1,744

Occupied Units

710

Vacant Units

2.24

Avg Household Size

Occupancy Type

Owner 82.6%
Renter 17.4%

$415,700

Median Home Value

+10% vs state

$1,282

Median Rent

1973

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+23.9%

YoY Change (2024)

325

HPI Index (2000 = 100)

+225%

Total Change Since 2000

Home values in ZIP 12404 have increased 23.9% over the past year (2024). Since 2000, this ZIP has seen +225% cumulative appreciation.

Year Annual Change HPI Index
2020 +13.0% 188
2021 +24.7% 234
2022 +23.5% 289
2023 -9.1% 263
2024 +23.9% 325

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 98 business establishments in ZIP 12404, employing approximately 482 people with a combined annual payroll of $25,619,000.

98

Businesses

482

Employees

$25.6M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Construction 13 13.3%
Professional, scientific, and technical services 12 12.2%
Retail trade 11 11.2%
Arts, entertainment, and recreation 9 9.2%
Other services (except public administration) 9 9.2%
Wholesale trade 8 8.2%
Administrative and support and waste management and remediation services 8 8.2%
Accommodation and food services 8 8.2%
Health care and social assistance 7 7.1%
Manufacturing 6 6.1%
Educational services 3 3.1%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 12404 vs 12440 →

ZIP 12404 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 12404 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 12404 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 12404 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
12440 High Falls, NY 1,980 3.9 mi
12446 Kerhonkson, NY 5,061 4.7 mi
12484 Stone Ridge, NY 2,733 5.0 mi
12461 Olivebridge, NY 1,634 6.7 mi
12419 Cottekill, NY 722 7.5 mi
12525 Gardiner, NY 3,311 9.2 mi
12489 Wawarsing, NY 1,292 7.6 mi
12561 New Paltz, NY 18,308 8.2 mi
12494 West Shokan, NY 764 10.2 mi
12420 Cragsmoor, NY 363 12.4 mi

More ZIP Codes in Ulster County

12401 standard
Kingston, NY
Pop: 35,040
12477 standard
Saugerties, NY
Pop: 18,787
12561 standard
New Paltz, NY
Pop: 18,308
12589 standard
Wallkill, NY
Pop: 17,228
12528 standard
Highland, NY
Pop: 13,344
12566 standard
Pine Bush, NY
Pop: 10,753

Related Areas

Ulster County Accord, NY New York

Frequently Asked Questions

What county is ZIP code 12404 in? ▼
ZIP code 12404 (Accord) is located in Ulster County, New York. Ulster County contains multiple ZIP codes, see the full list at /counties/ulster-ny.
What is the population of ZIP code 12404? ▼
ZIP code 12404 in Accord, NY has a population of 3,385 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12404? ▼
The median household income in ZIP 12404 is $77,214, which is 1% above the national average of $76,288.
What is the average home value in ZIP 12404? ▼
The median home value in ZIP 12404 is $415,700, which is 49% above the national average of $278,155.
What is the demographic makeup of ZIP 12404? ▼
The largest racial group in ZIP 12404 is White at 78.0%. Hispanic or Latino residents make up 11.2% of the population.
How many businesses are in ZIP code 12404? ▼
ZIP code 12404 has 98 business establishments employing approximately 482 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12404? ▼
The top industries by establishment count in ZIP 12404 are: Construction (13), Professional, scientific, and technical services (12), Retail trade (11). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 12404? ▼
According to the FHFA House Price Index, home values in ZIP 12404 increased by 23.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 225%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 12404? ▼
In ZIP code 12404, 76.3% of residents aged 25+ have a high school diploma or higher, and 55.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 12404? ▼
The mean commute time for workers in ZIP code 12404 is 35.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 12404? ▼
In ZIP code 12404, approximately 82.6% of occupied housing units are owner-occupied and 17.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12404? ▼
The poverty rate in ZIP code 12404 is 10.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.