High Falls, NY · standard
ZIP Code 12440
Ulster County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,980
- 33/sq mi Moderate-density area
- $106,553
- Median income Above-median income area
- $346,200
- Median home value Above-median home value
- 54.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
High Falls pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.
- Top 15%
- household income, US ZIPs
- Top 27%
- home value, US ZIPs
- 33
- people per sq mi
- 74%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12440 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 12440 (High Falls, NY) rose +40.6% from 2023 to 2024. The all-transactions index moved from 251.2 in 2023 to 353.1 in 2024 (2000 = 100).
ZIP code 12440 covers 59.8 square miles in High Falls, Ulster County, New York (a standard USPS delivery area), with a modest 1,980 residents on file, a density of 33 people per square mile, in the New York time zone.
ZIP 12440 lands in the middle-income range, with a median household income of $106,553 (15% above the average New York ZIP), while per-capita income is $48,492. The poverty rate is 11.0%, with unemployment at 2.9%; those measures add context to the income figure. Median home value is $346,200 (8% below the average New York ZIP); 74.3% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 54.3% of adults hold a bachelor's degree or higher, the median age is 46.1, and the average commute is 33 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Ulster County, so 12440 can be compared with both its immediate and county-level context.
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 12440
Top 5 sectors by establishment count in High Falls, NY
Which industries have the most business establishments in ZIP 12440.
- Construction
Construction
9 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
9 establishments
- Accommodation and food services
Accommodation and food services
8 establishments
- Retail trade
Retail trade
7 establishments
- Arts, entertainment, and recreation
Arts, entertainment, and recreation
7 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 12440, High Falls, 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
1,980
Population
59.8
Area (sq mi)
33
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12440?
46.1
Median Age
50.0%
Male
50.0%
Female
2.0%
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?
$106,553
Median Household Income
+15% vs state ZIP avg
$48,492
Per Capita Income
11.0%
Poverty Rate
2.9%
Unemployment Rate
32.8 min
Mean Commute Time
How ZIP 12440 ranks among New York ZIPs
High Falls, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$106,553 Top 26% higher than 74% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
798housing units
798
Total Housing Units
743
Occupied Units
55
Vacant Units
2.40
Avg Household Size
Occupancy Type
$346,200
Median Home Value
-8% vs state ZIP avg
1953
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
+40.6%
YoY Change (2024)
353
HPI Index (2000 = 100)
+253%
Total Change Since 2000
Home values in ZIP 12440 have increased 40.6% over the past year (2024). Since 2000, this ZIP has seen +253% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.7% | 194 |
| 2021 | +29.5% | 251 |
| 2022 | +5.9% | 266 |
| 2023 | -5.6% | 251 |
| 2024 | +40.6% | 353 |
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 64 business establishments in ZIP 12440, employing approximately 399 people with a combined annual payroll of $16,594,000.
64
Businesses
399
Employees
$16.6M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 9 | 14.1% |
| Professional, scientific, and technical services | 9 | 14.1% |
| Accommodation and food services | 8 | 12.5% |
| Retail trade | 7 | 10.9% |
| Arts, entertainment, and recreation | 7 | 10.9% |
| Other services (except public administration) | 7 | 10.9% |
| Administrative and support and waste management and remediation services | 6 | 9.4% |
| Health care and social assistance | 4 | 6.3% |
| Manufacturing | 3 | 4.7% |
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 12440 vs 12404 →
ZIP 12440 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12561
New Paltz (12561)
18,308 residents
- 12446 5,061
Kerhonkson (12446)
5,061 residents
- 12404 3,385
Accord (12404)
3,385 residents
- 12525 3,311
Gardiner (12525)
3,311 residents
- 12484 2,733
Stone Ridge (12484)
2,733 residents
- 12440 1,980
High Falls (12440)
1,980 residents
- 12472 1,572
Rosendale (12472)
1,572 residents
- 12486 1,523
Tillson (12486)
1,523 residents
- 12548 1,494
Modena (12548)
1,494 residents
What this shows Among its immediate neighbors, ZIP 12440 ranks #6 by population - useful context the national average alone can't give.
ZIP 12440 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12548
Modena (12548)
$132,083 median income
- 12419
Cottekill (12419)
$121,776 median income
- 12484
Stone Ridge (12484)
$119,779 median income
- 12525
Gardiner (12525)
$110,268 median income
- 12440
High Falls (12440)
$106,553 median income
- 12486
Tillson (12486)
$96,964 median income
- 12561
New Paltz (12561)
$92,288 median income
- 12446
Kerhonkson (12446)
$85,979 median income
- 12404
Accord (12404)
$77,214 median income
What this shows By household income, ZIP 12440 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12404 | Accord, NY | 3,385 | 3.9 mi |
| 12484 | Stone Ridge, NY | 2,733 | 6.4 mi |
| 12525 | Gardiner, NY | 3,311 | 6.4 mi |
| 12561 | New Paltz, NY | 18,308 | 4.4 mi |
| 12419 | Cottekill, NY | 722 | 6.8 mi |
| 12472 | Rosendale, NY | 1,572 | 6.9 mi |
| 12486 | Tillson, NY | 1,523 | 7.0 mi |
| 12446 | Kerhonkson, NY | 5,061 | 7.9 mi |
| 12548 | Modena, NY | 1,494 | 9.0 mi |
| 12471 | Rifton, NY | 215 | 8.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12440, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (1,980 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Ulster County
Related Areas
Frequently Asked Questions
What county is ZIP code 12440 in?
ZIP code 12440 (High Falls) 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 12440?
ZIP code 12440 in High Falls, NY has a population of 1,980 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12440?
The median household income in ZIP 12440 is $106,553, which is 40% above the national average of $76,288.
What is the average home value in ZIP 12440?
The median home value in ZIP 12440 is $346,200, which is 24% above the national average of $278,155.
What is the demographic makeup of ZIP 12440?
The largest racial group in ZIP 12440 is White at 85.8%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 12440?
ZIP code 12440 has 64 business establishments employing approximately 399 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12440?
The top industries by establishment count in ZIP 12440 are: Construction (9), Professional, scientific, and technical services (9), Accommodation and food services (8). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 12440?
According to the FHFA House Price Index, home values in ZIP 12440 increased by 40.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 253%. 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 12440?
In ZIP code 12440, 68.4% of residents aged 25+ have a high school diploma or higher, and 54.3% 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 12440?
The mean commute time for workers in ZIP code 12440 is 32.8 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 12440?
In ZIP code 12440, approximately 74.3% of occupied housing units are owner-occupied and 25.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12440?
The poverty rate in ZIP code 12440 is 11.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 12440's numbers, next.
- See how ZIP 12440 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where High Falls, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.