Cornwall On Hudson, NY · standard
ZIP Code 12520
Orange County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,109
- 304/sq mi High-density area
- $136,797
- Median income Above-median income area
- $473,000
- Median home value Above-median home value
- 53.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cornwall On Hudson pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 6%
- household income, US ZIPs
- Top 15%
- home value, US ZIPs
- 304
- people per sq mi
- 72%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12520 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 12520 (Cornwall On Hudson, NY) rose +14.4% from 2023 to 2024. The all-transactions index moved from 215.3 in 2023 to 246.3 in 2024 (2000 = 100).
ZIP code 12520 covers 10.2 square miles in Cornwall On Hudson, Orange County, New York (a standard USPS delivery area), with a modest 3,109 residents on file, a density of 304 people per square mile, in the New York time zone.
ZIP 12520 skews affluent, with a median household income of $136,797 (48% above the average New York ZIP), while per-capita income is $67,519. The poverty rate is 4.0%, with unemployment at 5.1%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $473,000 (25% above the average New York ZIP), while 71.5% of occupied homes are owner-occupied and median rent is $1,471.
This is a highly-educated ZIP: 53.8% of adults hold a bachelor's degree or higher, the median age is 46.7, and the average commute is 31 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Orange County, so 12520 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 12520
Top 5 sectors by establishment count in Cornwall On Hudson, NY
Which industries have the most business establishments in ZIP 12520.
- Other services (except public administration)
Other services (except public administration)
12 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
11 establishments
- Construction
Construction
7 establishments
- Accommodation and food services
Accommodation and food services
7 establishments
- Retail trade
Retail trade
6 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 12520, Cornwall On Hudson, 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
3,109
Population
10.2
Area (sq mi)
304
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12520?
46.7
Median Age
47.2%
Male
52.8%
Female
4.3%
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?
$136,797
Median Household Income
+48% vs state ZIP avg
$67,519
Per Capita Income
4.0%
Poverty Rate
5.1%
Unemployment Rate
30.5 min
Mean Commute Time
How ZIP 12520 ranks among New York ZIPs
Cornwall On Hudson, 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)
$136,797 Top 13% higher than 87% 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
1,369housing units
1,369
Total Housing Units
1,233
Occupied Units
136
Vacant Units
2.42
Avg Household Size
Occupancy Type
$473,000
Median Home Value
+25% vs state ZIP avg
$1,471
Median Rent
1952
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
+14.4%
YoY Change (2024)
246
HPI Index (2000 = 100)
+146%
Total Change Since 2000
Home values in ZIP 12520 have increased 14.4% over the past year (2024). Since 2000, this ZIP has seen +146% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.1% | 172 |
| 2021 | +11.6% | 192 |
| 2022 | +16.6% | 224 |
| 2023 | -3.7% | 215 |
| 2024 | +14.4% | 246 |
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 12520, employing approximately 300 people with a combined annual payroll of $16,234,000.
64
Businesses
300
Employees
$16.2M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 12 | 18.8% |
| Professional, scientific, and technical services | 11 | 17.2% |
| Construction | 7 | 10.9% |
| Accommodation and food services | 7 | 10.9% |
| Retail trade | 6 | 9.4% |
| Health care and social assistance | 5 | 7.8% |
| Educational services | 4 | 6.3% |
| Information | 3 | 4.7% |
| Administrative and support and waste management and remediation services | 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 12520 vs 12518 →
ZIP 12520 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12553
New Windsor (12553)
24,438 residents
- 12508
Beacon (12508)
19,880 residents
- 10996 6,756
West Point (10996)
6,756 residents
- 12518 5,870
Cornwall (12518)
5,870 residents
- 10516 5,289
Cold Spring (10516)
5,289 residents
- 10928 4,175
Highland Falls (10928)
4,175 residents
- 12520 3,109
Cornwall On Hudson (12520)
3,109 residents
- 12577 2,029
Salisbury Mills (12577)
2,029 residents
- 10922 1,559
Fort Montgomery (10922)
1,559 residents
What this shows Among its immediate neighbors, ZIP 12520 ranks #7 by population - useful context the national average alone can't give.
ZIP 12520 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10516
Cold Spring (10516)
$140,225 median income
- 12520
Cornwall On Hudson (12520)
$136,797 median income
- 10996
West Point (10996)
$135,333 median income
- 12577
Salisbury Mills (12577)
$124,028 median income
- 10922
Fort Montgomery (10922)
$123,406 median income
- 10928
Highland Falls (10928)
$102,347 median income
- 12518
Cornwall (12518)
$101,208 median income
- 12553
New Windsor (12553)
$92,757 median income
- 12508
Beacon (12508)
$92,461 median income
What this shows By household income, ZIP 12520 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12518 | Cornwall, NY | 5,870 | 2.1 mi |
| 10996 | West Point, NY | 6,756 | 3.4 mi |
| 10928 | Highland Falls, NY | 4,175 | 5.5 mi |
| 12553 | New Windsor, NY | 24,438 | 4.0 mi |
| 10953 | Mountainville, NY | 252 | 4.2 mi |
| 10922 | Fort Montgomery, NY | 1,559 | 6.9 mi |
| 12508 | Beacon, NY | 19,880 | 5.2 mi |
| 10911 | Bear Mountain, NY | 2 | 8.0 mi |
| 10516 | Cold Spring, NY | 5,289 | 5.5 mi |
| 12577 | Salisbury Mills, NY | 2,029 | 6.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12520, 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 (3,109 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Orange County
Related Areas
Frequently Asked Questions
What county is ZIP code 12520 in?
ZIP code 12520 (Cornwall On Hudson) is located in Orange County, New York. Orange County contains multiple ZIP codes, see the full list at /counties/orange-ny.
What is the population of ZIP code 12520?
ZIP code 12520 in Cornwall On Hudson, NY has a population of 3,109 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12520?
The median household income in ZIP 12520 is $136,797, which is 79% above the national average of $76,288.
What is the average home value in ZIP 12520?
The median home value in ZIP 12520 is $473,000, which is 70% above the national average of $278,155.
What is the demographic makeup of ZIP 12520?
The largest racial group in ZIP 12520 is White at 86.4%. Hispanic or Latino residents make up 14.7% of the population.
How many businesses are in ZIP code 12520?
ZIP code 12520 has 64 business establishments employing approximately 300 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12520?
The top industries by establishment count in ZIP 12520 are: Other services (except public administration) (12), Professional, scientific, and technical services (11), Construction (7). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 12520?
According to the FHFA House Price Index, home values in ZIP 12520 increased by 14.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 146%. 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 12520?
In ZIP code 12520, 65.8% of residents aged 25+ have a high school diploma or higher, and 53.8% 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 12520?
The mean commute time for workers in ZIP code 12520 is 30.5 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 12520?
In ZIP code 12520, approximately 71.5% of occupied housing units are owner-occupied and 28.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12520?
The poverty rate in ZIP code 12520 is 4.0% 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 12520's numbers, next.
- See how ZIP 12520 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cornwall On Hudson, 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.