HousingHandbookReference data

U.S. ZIP Code · NY12549

Orange County · Kiryas Joel-Poughkeepsie-Newburgh, NY

Typical home value

$492,049[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+5.2%
5-year / yr
+7.7%
10-year / yr
+7.6%

Relative price

vs U.S.
+73.2%
vs metro
≈ metro median
vs state
+54.4%
ZIP 12549 location in NY
Location of ZIP 12549 in NY

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 12549 is worth $492,049. Over the past year, values have risen 5.2%. The effective property tax rate is 2.0%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
2.0%[3]
Typical annual tax
$10,015[3]

#Climate risk

FEMA National Risk Index ratings for Orange County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively High
Coastal flood
Relatively Low
Wildfire
Very Low
Drought
Relatively Moderate
Heat wave
Relatively Moderate
Hurricane
Relatively Moderate
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively High

#Who lives here

Population
10,745[3]
Median household income
$122,734[3]

#Migration

Household moves in and out of Orange County over a year, from IRS tax-return data.

Net migration
-1,104[5]
Moved in
9,064
Moved out
10,168

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
4
Elementary
2
Middle
1
High
1
  • VALLEY CENTRAL HIGH SCHOOL

    High · Grades 9–12 · VALLEY CENTRAL SCHOOL DISTRICT (MONTGOMERY)

    1,399 students

  • VALLEY CENTRAL MIDDLE SCHOOL

    Middle · Grades 6–8 · VALLEY CENTRAL SCHOOL DISTRICT (MONTGOMERY)

    952 students

  • MONTGOMERY ELEMENTARY SCHOOL

    Elementary · Grades K–5 · VALLEY CENTRAL SCHOOL DISTRICT (MONTGOMERY)

    537 students

  • BEREA ELEMENTARY SCHOOL

    Elementary · Grades K–5 · VALLEY CENTRAL SCHOOL DISTRICT (MONTGOMERY)

    500 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$2,488
Loan principal$393,639
Down payment$98,410
Total interest paid$502,065

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$3,735
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
82nd percentile[1]
Rental yield
[2]
Property tax
70th percentile[3]

Frequently asked

How much is a home worth in ZIP code 12549?
The typical home in 12549 is worth $492,049, based on the Zillow Home Value Index.
Are home values rising in 12549?
Home values in 12549 are up 5.2% over the past year, and up 7.7% a year over five years.
What is the property tax rate in 12549?
The effective property tax rate in 12549 is 2.0% — roughly $10,015 a year on a typical home.
Who lives in 12549?
ZIP code 12549 has a population of 10,745 and a median household income of $122,734.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Myers Corner CDP, NY

    Typical home
    $489,420
    Gross yield
    5.8%
  • Amenia CDP, NY

    Typical home
    $496,361
    Gross yield
  • Tivoli, NY

    Typical home
    $486,311
    Gross yield
  • Pleasant Valley CDP, NY

    Typical home
    $482,930
    Gross yield
  • Staatsburg CDP, NY

    Typical home
    $482,598
    Gross yield
  • Pawling, NY

    Typical home
    $502,623
    Gross yield

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

Compare ZIPs

Pit ZIP 12549 against any other ZIP — full side-by-side table.

Compare 12549

#Jump to section