ZIP Code 12404
standardSource:
Accord · Ulster County · New York
- Population
- 3,385
- Median income
- $77,214
- Median home value
- $415,700
- Bachelor's or higher
- 55.3%
- Land area
- 92.5 sq mi
37/sq mi
▲ 1% vs US
higher than 58% of US ZIPs
▲ 49% vs US
higher than 81% of US ZIPs
Median age 50.4
New York
ZIP code 12404 in Accord, New York has a population of 3,385. The median household income is $77,214, which is 1% above the national average. Median home value is $415,700, 49% above the US average. 55.3% of residents hold a bachelor's degree or higher.
ZIP code 12404 is classified by USPS as a standard delivery area and covers roughly 92.5 square miles in Accord, Ulster County, New York. The area is home to 3,385 residents, producing a population density of 37 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 12404 against New York and the nation.
On the economic side, the median household income for ZIP 12404 sits at $77,214 (17% below the New York average), while per-capita income is $57,956. The poverty rate stands at 10.8% and the unemployment rate at 4.0%. On housing, the median home value is $415,700 (10% above the state average) with median rent at $1,282 per month, and 82.6% of occupied units are owner-occupied, a direct signal of whether 12404 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 55.3% of adults hold a bachelor's degree or higher, the median age is 50.4, and the average commute is 36 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Ulster County, so you can benchmark 12404 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 12404
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 12404.
- Construction
Construction
13 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
12 establishments
- Retail trade
Retail trade
11 establishments
- Arts, entertainment, and recreation
Arts, entertainment, and recreation
9 establishments
- Other services (except public administration)
Other services (except public administration)
9 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 12404?
50.4
Median Age
45.1%
Male
54.9%
Female
4.2%
Foreign-Born
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
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
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
$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 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
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Frequently Asked Questions
What county is ZIP code 12404 in? ▼
What is the population of ZIP code 12404? ▼
What is the median household income in ZIP 12404? ▼
What is the average home value in ZIP 12404? ▼
What is the demographic makeup of ZIP 12404? ▼
How many businesses are in ZIP code 12404? ▼
What are the main industries in ZIP code 12404? ▼
How have home values changed in ZIP code 12404? ▼
What is the education level in ZIP code 12404? ▼
What is the average commute time in ZIP 12404? ▼
What percentage of residents own vs. rent in ZIP 12404? ▼
What is the poverty rate in ZIP code 12404? ▼
ZIP Code Research Guides
Official Data Resources for Accord, NY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.