12446 Zip Code (Kerhonkson, NY) Detailed Profile

Estimated zip code population in 2022: 4,816
Zip code population in 2010: 5,061
Zip code population in 2000: 4,925

Houses and condos: 2,703
Renter-occupied apartments: 488
March 2022 cost of living index in zip code 12446: 97.0 (near average, U.S. average is 100)

Land area: 67.9 sq. mi.
Water area: 0.2 sq. mi.

Population density: 71 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $4,294 (1.6%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $4,015 (1.3%)

For population 25 years and over in 12446:

• High school or higher: 91.9%
• Bachelor's degree or higher: 35.9%
• Graduate or professional degree: 15.5%
• Unemployed: 3.5%
• Mean travel time to work (commute): 33.0 minutes

For population 15 years and over in 12446:

• Never married: 35.3%
• Now married: 47.1%
• Separated: 1.0%
• Widowed: 6.5%
• Divorced: 10.2%

• 
• • 3,75978.1%White
  • 49610.3%Two or more races
  • 4078.5%Hispanic or Latino
  • 861.8%Black
  • 621.3%Asian
  • 40.08%American Indian

100% rural population.

Averages for the 2020 tax year for zip code 12446, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $73,254 (Individual Income Tax Returns)

Here:	$73,254
State:	$90,930

Salary/wage: $64,259 (reported on 78.9% of returns)

Here:	$64,259
State:	$72,104

(% of AGI for various income ranges: 1079.2% for AGIs below $25k, 3314.9% for AGIs $25k-50k, 6467.4% for AGIs $50k-75k, 9098.1% for AGIs $75k-100k, 18512.5% for AGIs $100k-200k, 124393.3% for AGIs over 200k)

Taxable interest for individuals: $1,010 (reported on 38.1% of returns)

This zip code:	$1,010
New York:	$3,075

(% of AGI for various income ranges: 25.3% for AGIs below $25k, 28.0% for AGIs $25k-50k, 67.4% for AGIs $50k-75k, 51.2% for AGIs $75k-100k, 121.0% for AGIs $100k-200k, 696.7% for AGIs over 200k)

Ordinary dividends: $5,190 (reported on 19.8% of returns)

Here:	$5,190
State:	$11,095

(% of AGI for various income ranges: 29.0% for AGIs below $25k, 33.7% for AGIs $25k-50k, 188.3% for AGIs $50k-75k, 143.1% for AGIs $75k-100k, 342.5% for AGIs $100k-200k, 2963.3% for AGIs over 200k)

Net capital gain/loss in AGI: +$22,455 (reported on 17.0% of returns)

Here:	+$22,455
State:	+$44,925

(% of AGI for various income ranges: 30.4% for AGIs below $25k, 47.6% for AGIs $25k-50k, 93.5% for AGIs $50k-75k, 263.1% for AGIs $75k-100k, 550.0% for AGIs $100k-200k, 24376.7% for AGIs over 200k)

Profit/loss from business: +$14,586 (reported on 17.4% of returns)

Here:	+$14,586
State:	+$14,940

(% of AGI for various income ranges: 194.5% for AGIs below $25k, 165.3% for AGIs $25k-50k, 244.8% for AGIs $50k-75k, 257.5% for AGIs $75k-100k, 1064.5% for AGIs $100k-200k, 4683.3% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $15,306 (reported on 6.9% of returns)

12446:	$15,306
New York:	$19,609

(% of AGI for various income ranges: 41.2% for AGIs below $25k, 97.8% for AGIs $25k-50k, 186.1% for AGIs $50k-75k, 163.8% for AGIs $75k-100k, 615.5% for AGIs $100k-200k)

Self-employed (Keogh) retirement plans: $33,250 (reported on 0.8% of returns)

12446:	$33,250
New York:	$32,497

(% of AGI for various income ranges: 135.7% for AGIs $25k-50k)

Total itemized deductions: $25,836 (reported on 8.9% of returns)

Here:	$25,836
State:	$39,326

(% of AGI for various income ranges: 140.0% for AGIs $25k-50k, 331.3% for AGIs $50k-75k, 383.8% for AGIs $75k-100k, 761.5% for AGIs $100k-200k, 6996.7% for AGIs over 200k)

Charity contributions: $4,111 (reported on 7.3% of returns)

Here:	$4,111
State:	$15,420

(% of AGI for various income ranges: 9.6% for AGIs below $25k, 23.0% for AGIs $50k-75k, 26.2% for AGIs $75k-100k, 151.0% for AGIs $100k-200k, 986.7% for AGIs over 200k)

Taxes paid: $8,532 (reported on 8.9% of returns)

12446:	$8,532
State:	$9,183

(% of AGI for various income ranges: 46.7% for AGIs $25k-50k, 105.7% for AGIs $50k-75k, 165.6% for AGIs $75k-100k, 273.0% for AGIs $100k-200k, 1980.0% for AGIs over 200k)

Earned income credit: $2,094 (reported on 14.6% of returns)

Here:	$2,094
State:	$2,138

(% of AGI for various income ranges: 92.7% for AGIs below $25k, 61.2% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2020 taxes: 93.9%

Here:	94%
State:	95%

(% for various income ranges: 93.2% for AGIs below $25k, 93.8% for AGIs $25k-50k, 91.7% for AGIs $50k-75k, 95.8% for AGIs $75k-100k, 94.6% for AGIs $100k-200k, 100.0% for AGIs over 200k)

Averages for the 2012 tax year for zip code 12446, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $50,416 (Individual Income Tax Returns)

Here:	$50,416
State:	$77,088

Salary/wage: $43,737 (reported on 81.4% of returns)

Here:	$43,737
State:	$60,593

(% of AGI for various income ranges: 67.9% for AGIs below $25k, 75.8% for AGIs $25k-50k, 77.3% for AGIs $50k-75k, 75.2% for AGIs $75k-100k, 88.0% for AGIs $100k-200k)

Taxable interest for individuals: $752 (reported on 40.5% of returns)

This zip code:	$752
New York:	$3,125

(% of AGI for various income ranges: 1.5% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 0.4% for AGIs $100k-200k, 0.7% for AGIs over 200k)

Ordinary dividends: $4,239 (reported on 18.6% of returns)

Here:	$4,239
State:	$10,299

(% of AGI for various income ranges: 1.2% for AGIs below $25k, 1.1% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 4.5% for AGIs over 200k)

Net capital gain/loss in AGI: +$13,114 (reported on 12.7% of returns)

Here:	+$13,114
State:	+$42,474

(% of AGI for various income ranges: 0.4% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 2.1% for AGIs $100k-200k, 23.0% for AGIs over 200k)

Profit/loss from business: +$13,749 (reported on 17.7% of returns)

Here:	+$13,749
State:	+$16,168

(% of AGI for various income ranges: 11.1% for AGIs below $25k, 4.1% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 2.1% for AGIs $75k-100k, 9.7% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $12,800 (reported on 8.6% of returns)

12446:	$12,800
New York:	$17,621

(% of AGI for various income ranges: 2.4% for AGIs below $25k, 2.3% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.9% for AGIs $75k-100k, 3.8% for AGIs $100k-200k)

Total itemized deductions: $21,501 (25% of AGI, reported on 36.4% of returns)

Here:	$21,501
State:	$34,985

Here:	24.7% of AGI
State:	21.3% of AGI

(% of AGI for various income ranges: 9.7% for AGIs below $25k, 13.1% for AGIs $25k-50k, 14.9% for AGIs $50k-75k, 16.4% for AGIs $75k-100k, 18.2% for AGIs $100k-200k, 16.9% for AGIs over 200k)

Charity contributions: $2,222 (reported on 29.5% of returns)

Here:	$2,222
State:	$5,572

(% of AGI for various income ranges: 0.5% for AGIs below $25k, 0.9% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 1.7% for AGIs $100k-200k, 2.3% for AGIs over 200k)

Taxes paid: $9,436 (reported on 36.4% of returns)

12446:	$9,436
State:	$18,656

(% of AGI for various income ranges: 2.8% for AGIs below $25k, 4.4% for AGIs $25k-50k, 5.8% for AGIs $50k-75k, 7.6% for AGIs $75k-100k, 8.7% for AGIs $100k-200k, 9.6% for AGIs over 200k)

Earned income credit: $1,965 (reported on 18.2% of returns)

Here:	$1,965
State:	$2,230

(% of AGI for various income ranges: 6.1% for AGIs below $25k, 0.9% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 59.5%

Here:	60%
State:	66%

(% for various income ranges: 51.8% for AGIs below $25k, 54.9% for AGIs $25k-50k, 68.6% for AGIs $50k-75k, 65.2% for AGIs $75k-100k, 73.9% for AGIs $100k-200k, 100.0% for AGIs over 200k)

Averages for the 2004 tax year for zip code 12446, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $40,281 (Individual Income Tax Returns)

Here:	$40,281
State:	$59,519

Salary/wage: $36,882 (reported on 83.7% of returns)

Here:	$36,882
State:	$50,673

(% of AGI for various income ranges: 126.5% for AGIs below $10k, 70.6% for AGIs $10k-25k, 83.7% for AGIs $25k-50k, 82.8% for AGIs $50k-75k, 84.7% for AGIs $75k-100k, 59.2% for AGIs over 100k)

Taxable interest for individuals: $1,045 (reported on 50.8% of returns)

This zip code:	$1,045
New York:	$2,377

(% of AGI for various income ranges: 8.9% for AGIs below $10k, 2.5% for AGIs $10k-25k, 1.4% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 1.0% for AGIs over 100k)

Taxable dividends: $2,434 (reported on 23.2% of returns)

Here:	$2,434
State:	$5,394

(% of AGI for various income ranges: 7.1% for AGIs below $10k, 1.2% for AGIs $10k-25k, 1.1% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 2.0% for AGIs over 100k)

Net capital gain/loss: +$9,461 (reported on 17.8% of returns)

Here:	+$9,461
State:	+$23,581

(% of AGI for various income ranges: -3.2% for AGIs below $10k, -0.5% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 14.9% for AGIs over 100k)

Profit/loss from business: +$7,868 (reported on 17.5% of returns)

Here:	+$7,868
State:	+$13,809

(% of AGI for various income ranges: 10.3% for AGIs below $10k, 7.0% for AGIs $10k-25k, 2.8% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 5.0% for AGIs over 100k)

IRA payment deduction: $3,029 (reported on 3.2% of returns)

12446:	$3,029
New York:	$3,115

(% of AGI for various income ranges: 0.5% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.4% for AGIs $75k-100k)

Self-employed pension: $11,200 (reported on 0.7% of returns)

Here:	$11,200
New York:	$19,016

Total itemized deductions: $18,196 (25% of AGI, reported on 33.4% of returns)

Here:	$18,196
State:	$25,864

Here:	25.1% of AGI
State:	21.9% of AGI

(% of AGI for various income ranges: 15.1% for AGIs below $10k, 10.4% for AGIs $10k-25k, 13.3% for AGIs $25k-50k, 16.6% for AGIs $50k-75k, 16.8% for AGIs $75k-100k, 16.2% for AGIs over 100k)

Charity contributions deductions: $2,113 (3% of AGI, reported on 29.8% of returns)

Here:	$2,113
State:	$4,439

Here:	2.8% of AGI
State:	3.6% of AGI

(% of AGI for various income ranges: 0.7% for AGIs below $10k, 0.6% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 2.4% for AGIs over 100k)

Total tax: $5,324 (reported on 74.9% of returns)

12446:	$5,324
State:	$11,730

(% of AGI for various income ranges: 3.8% for AGIs below $10k, 4.3% for AGIs $10k-25k, 6.6% for AGIs $25k-50k, 8.6% for AGIs $50k-75k, 10.0% for AGIs $75k-100k, 16.5% for AGIs over 100k)

Earned income credit: $1,699 (reported on 16.1% of returns)

Here:	$1,699
State:	$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 63.8%

Here:	64%
State:	67%

(% for various income ranges: 53.4% for AGIs below $10k, 63.3% for AGIs $10k-25k, 62.0% for AGIs $25k-50k, 68.5% for AGIs $50k-75k, 73.2% for AGIs $75k-100k, 85.5% for AGIs over 100k)

Nearest zip codes: 12489, 12404, 12458, 12461, 12428, 12420.
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

• Lesbian couples: 0.0% of all households
• Gay men: 0.4% of all households

Household received Food Stamps/SNAP in the past 12 months: 205
Household did not receive Food Stamps/SNAP in the past 12 months: 1,856

Women who had a birth in the past 12 months: 33 (26 now married, 7 unmarried)
Women who did not have a birth in the past 12 months: 1,014 (283 now married, 734 unmarried)

Housing units in zip code 12446 with a mortgage: 881 (106 second mortgage, 25 both second mortgage and home equity loan)
Houses without a mortgage: 26

Median monthly owner costs for units with a mortgage: $1,456
Median monthly owner costs for units without a mortgage: $689

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 12446 household income distribution in 2022

• 343Less than $10,000
• 8$10,000 to $14,999
• 20$15,000 to $19,999
• 46$20,000 to $24,999
• 94$25,000 to $29,999
• 46$30,000 to $34,999
• 9$35,000 to $39,999
• 33$40,000 to $44,999
• 13$45,000 to $49,999
• 193$50,000 to $59,999
• 362$60,000 to $74,999
• 179$75,000 to $99,999
• 218$100,000 to $124,999
• 107$125,000 to $149,999
• 172$150,000 to $199,999
• 272$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 12446

• 29$10,000 to $14,999
• 15$15,000 to $19,999
• 19$40,000 to $49,999
• 13$70,000 to $79,999
• 8$80,000 to $89,999
• 63$90,000 to $99,999
• 19$100,000 to $124,999
• 52$125,000 to $149,999
• 60$150,000 to $174,999
• 41$175,000 to $199,999
• 305$200,000 to $249,999
• 200$250,000 to $299,999
• 228$300,000 to $399,999
• 267$400,000 to $499,999
• 119$500,000 to $749,999
• 53$750,000 to $999,999
• 5$1,000,000 to $1,499,999
• 39$2,000,000 or more

• Rent paid by renters in 2022 in zip code 12446

• 14$450 to $499
• 22$600 to $649
• 103$700 to $749
• 122$800 to $899
• 60$900 to $999
• 58$1,000 to $1,249
• 49$1,250 to $1,499
• 42$1,500 to $1,999
• 9$3,500 or more
• 8No cash rent

Median gross rent in 2022: $1,182.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $290,915
• Black or African American householders: $245,578
• American Indian or Alaska Native householders: $399,609
• Some other race householders: $252,843
• Hispanic or Latino householders: $405,712

Estimated median house or condo value in 2022: $289,172 Lower value quartile - upper value quartile: $218,281 - $440,291

Mean price in 2022:

Detached houses: $304,830

Here:	$304,830
State:	$476,719

Townhouses or other attached units: $729,578

Here:	$729,578
State:	$699,270

Housing units in structures:

• One, detached: 2,153
• One, attached: 47
• Two: 149
• 3 or 4: 43
• 5 to 9: 49
• 20 to 49: 6
• 50 or more: 9
• Mobile homes: 222

Unemployment: 3.5%

• Means of transportation to work in zip code 12446

• 58.1%1,508Drove a car alone
• 15.2%395Carpooled
• 3.1%81Bus or trolley bus
• 2.7%70Streetcar or trolley car
• 2.6%68Bicycle
• 0.7%17Walked
• 20.1%520Worked at home

• Travel time to work (commute) in zip code 12446

• 248Less than 5 minutes
• 845 to 9 minutes
• 18910 to 14 minutes
• 10315 to 19 minutes
• 12720 to 24 minutes
• 27025 to 29 minutes
• 28230 to 34 minutes
• 16135 to 39 minutes
• 22640 to 44 minutes
• 23145 to 59 minutes
• 3060 to 89 minutes
• 14890 or more minutes

Percentage of zip code residents living and working in this county: 82.5%

Household type by relationship:

Households: 4,816

• Male householders: 811 (114 living alone), Female householders: 1,270 (346 living alone)

• 933 spouses (876 opposite-sex spouses), 298 unmarried partners, (298 opposite-sex unmarried partners), 1,201 children (1,105 natural, 81 adopted, 12 stepchildren), 76 grandchildren, 43 brothers or sisters, 71 parents, 0 foster children, 45 other relatives, 72 non-relatives

• In group quarters: 44 (-1 institutionalized population)

Size of family households: 830 2-persons, 337 3-persons, 135 4-persons, 82 5-persons, 19 6-persons, 52 7-or-more-persons

Size of nonfamily households: 459 1-person, 165 2-persons

478 married couples with children.
341 single-parent households (155 men, 186 women).

85.0% of residents of 12446 zip code speak English at home.
1.8% of residents speak Spanish at home (87% very well, 13% not well).
11.5% of residents speak other Indo-European language at home (58% very well, 39% well, 3% not well).
1.2% of residents speak Asian or Pacific Island language at home (100% very well).
0.4% of residents speak other language at home (100% very well).

Facilities with environmental interests located in this zip code:

• HUDSON VALLEY RESORT (445 GRANITE RD in KERHONKSON, NY)

  Large Quantity Generators, more that 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
  

Housing units lacking complete plumbing facilities: 2.1%
Housing units lacking complete kitchen facilities: 2.8%

Population in 1990: 4,220. Population change in the 1990s: +705 (+16.7%).

Place of birth for U.S.-born residents:

• This state: 3,602
• Northeast: 340
• Midwest: 162
• South: 111
• West: 68

64% of the 12446 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 68% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

96% of the 12446 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 17% moved from this county.
   Out of people who lived in different houses, 54% moved from different county within same state.
   Out of people who lived in different houses, 29% moved from different state.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 21
Students in private schools in grades 9 to 12 (high school): 21 Students in private undergraduate colleges:

Top industries in this zip code by the number of employees in 2005:

• Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (100-249 employees: 1 establishment)
• Health Care and Social Assistance: Residential Mental Health and Substance Abuse Facilities (50-99: 1)
• Real Estate and Rental and Leasing: Lessors of Residential Buildings and Dwellings (20-49: 1)
• Construction: Tile and Terrazzo Contractors (10-19: 1, 1-4: 2)
• Professional, Scientific, and Technical Services: Veterinary Services (10-19: 1, 1-4: 1)
• Accommodation and Food Services: Full-Service Restaurants (5-9: 1, 1-4: 4)
• Other Services (except Public Administration): Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (10-19: 1)

Detailed HMDA statistics for the following Tracts: 9530.00 , 9545.00, 9546.00, 9550.00


Detailed PMIC statistics for the following Tracts: 9530.00 , 9545.00, 9546.00, 9550.00

Most common first names in zip code 12446 among deceased individuals
Name	Count	Lived (average)
John	35	73.9 years
George	23	70.8 years
Mary	22	75.5 years
Helen	22	80.6 years
Anna	22	78.4 years
William	22	73.1 years
Charles	21	76.0 years
Joseph	21	74.2 years
James	21	67.7 years
Robert	20	69.7 years

Most common last names in zip code 12446 among deceased individuals
Last name	Count	Lived (average)
Smith	23	74.5 years
Miller	15	74.5 years
Decker	13	77.2 years
Davis	13	75.7 years
Terwilliger	9	81.9 years
Quick	8	75.4 years
Gray	7	73.1 years
Markle	7	85.3 years
Barringer	6	79.8 years
Osterhoudt	6	65.4 years

Businesses in zip code 12446

• U-Haul: 1