12475 ZIP Code — Ruby, NY

Ulster County, New York

ZIP code 12475 is located in Ruby, New York, within Ulster County. It covers approximately 1.17 square miles and serves a population of 460 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845/914.

About ZIP code 12475

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $276,300. Owner-occupancy sits near the national average at 61%.

Median household income is $73,882. Poverty affects 32% of residents, above the national average. 54% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 12475 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and a significant Social Security-dependent population.

460

population

1.17

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12475 ZIP code map

Cities in ZIP code 12475

Below are the cities the US Postal Service accepts for ZIP code 12475. Using any city not on this list may result in mail delivery delays.

City	Status
Ruby	Acceptable

Demographics updated 06/2026

Population
Total population	460
Population density	393 / sq mi
State FIPS	36
County FIPS	111

Geography
Land area	1.17 sq mi
Water area	0.00 sq mi
Latitude	42.0181
Longitude	-74.0155
Timezone	Eastern (ET)
Area code	845/914

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.6%	38.7%	37.0%
$50k – $100k	29.2%	29.7%	27.0%
$100k – $200k	7.1%	24.1%	24.4%
Over $200k	0.0%	7.5%	11.5%

Demographics & statistics

460

Population

393

People per sq mi

45.2

Median age

$73,882

Median household income

$35,831

Per capita income

$276,300

Median home value

Median monthly rent

61.3%

Home ownership

32.4%

Poverty rate

0.0%

Unemployment

130

Housing units

18.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

25–34

35–44

45–54

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	75	16.3%
18 and over	385	83.7%
65 and over	121	26.3%
Median age	45.2 years

Race & ethnicity

White 69.7%

Hispanic or Latino 13.5%

Other race 13.5%

Asian 2.3%

Two or more races 0.9%

Group	Count	%
White	371	69.7%
Hispanic or Latino	72	13.5%
Other race	72	13.5%
Asian	12	2.3%
Two or more races	5	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.6%	38.7%	37.0%
$50k – $100k	29.2%	29.7%	27.0%
$100k – $200k	7.1%	24.1%	24.4%
Over $200k	0.0%	7.5%	11.5%

$15k–$25k 29.7%

$25k–$35k 10.4%

$50k–$75k 17.9%

$75k–$100k 12.3%

$100k–$150k 14.2%

$150k–$200k 10.8%

$200k+ 4.7%

Range	% of households
$15k–$25k	29.7%
$25k–$35k	10.4%
$50k–$75k	17.9%
$75k–$100k	12.3%
$100k–$150k	14.2%
$150k–$200k	10.8%
$200k+	4.7%
Median income	$73,882

Housing

Home values

$100k–$150k 17.7%

$200k–$300k 46.2%

$300k–$500k 36.2%

Housing overview

Metric	Value
Median home value	$276,300
Median rent / month	$0
Owner occupied	61.3%
Renter occupied	38.7%
Vacant	0.0%
Single-family detached	95.3%
Large apartment buildings	0.0%
Mobile homes	4.7%
Median rooms	5.2
Avg household size (owned)	2.63

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	42.9%
1990–1999	0.0%
1980–1989	4.7%
1970–1979	38.7%
1960–1969	10.4%
1950–1959	3.3%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	25.0%
2 bedrooms	26.4%
3 bedrooms	33.5%
4 bedrooms	4.7%
5+ bedrooms	10.4%

Vehicles per household

Vehicles	% of households
No vehicle	25.0%
1 vehicle	0.0%
2 vehicles	36.8%
3 or more	38.2%

Heating fuel

Fuel type	%
Electricity	25.0%
Propane / LP gas	17.5%
Fuel oil	48.6%
Wood	9.0%

Households & families

Household type	Count	%
Married-couple family	69	32.5%
Cohabiting couple	0	0.0%
Male householder, no spouse	114	53.8%
Female householder, no spouse	29	13.7%
Households with children under 18	32	15.1%
Households with seniors (65+)	115	54.2%
Average household size	2.17

Marital status

Status	Male	Female
Never married	55.7%	8.1%
Married	24.7%	58.9%
Separated	0.0%	0.0%
Widowed	19.6%	33.1%
Divorced	0.0%	0.0%

Education

Less than 9th grade 5.7%

Some HS, no diploma 0.0%

HS graduate 54.8%

Some college, no degree 17.7%

Associate's degree 3.1%

Bachelor's degree 9.1%

Graduate / professional 9.6%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	18.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	24	24.0%
Kindergarten	0	0.0%
Elementary school	51	51.0%
High school	0	0.0%
College / grad school	25	25.0%

Employment

Industry of employment

Retail trade 35.7%

Education & healthcare 18.5%

Manufacturing 16.0%

Transportation & utilities 16.0%

Finance & real estate 8.4%

Other services 2.9%

Public administration 2.5%

Occupation

Category	%
Management, business & arts	13.4%
Service	2.5%
Sales & office	34.5%
Natural resources & construction	16.0%
Production & transportation	33.6%

Employment type

Type	%
Private sector	97.5%
Government	2.5%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	94.3%
Carpool	3.1%
Public transit	0.0%
Walk	0.0%
Work from home	2.6%
Other means	0.0%
Avg commute (minutes)	23.0

Poverty

All people 32.4%

Under 18 years 100.0%

18 and over 19.2%

Married-couple families 31.9%

Female-led households 34.5%

Income support

Source	% of households
Social Security	54.2%
Retirement income	18.9%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	10.4%

Health indicators

Condition	%
Obesity	27.7%
High blood pressure	30.2%
High cholesterol	32.5%
Diabetes	8.1%
Heart disease	5.8%
Stroke	2.6%
Asthma	10.1%
Arthritis	22.8%
Kidney disease	2.6%
Pulmonary disease	6.6%
Cancer	6.7%

Behavior / access	%
Smoking	17.4%
Binge drinking	19.2%
No physical activity	21.2%
Less than 7 hrs sleep	30.2%
Depression	20.9%
Fair or poor health	11.5%
Poor mental health	14.3%
Poor physical health	9.3%
No health insurance	10.0%
Visited doctor (checkup)	75.2%
Visited dentist	67.6%
Cholesterol screening	90.6%
Teeth loss	12.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	8	2.1%

Disability	%
Any disability	22.0%
Under 18	13.3%
18–64 years	0.0%
65 and over	75.2%

Health insurance coverage

Type	%
Private insurance	69.8%
Public insurance	36.7%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	436	94.8%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	415	90.2%
Born in same state	415	90.2%
Born in different state	390	84.8%
Foreign born	0	0.0%
Naturalized citizen	45	9.8%
Not a US citizen	22	48.9%

Ancestry

Ancestry	Count	%
Italian	137	29.8%
Dutch	15	3.3%

Ancestry	Count	%
French	7	1.5%

Technology access

Metric	% of households
Computer access	46.1%
Internet access	75.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 12475

What city is ZIP code 12475 in?

ZIP code 12475 is primarily assigned to Ruby, New York.

What county is ZIP code 12475 in?

ZIP code 12475 falls within Ulster County, New York.

What is the poverty rate in ZIP code 12475?

32% of residents in ZIP code 12475 live below the poverty line, above the national average.

Does ZIP code 12475 have a large retiree population?

54% of households in ZIP code 12475 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 12475 have an older population?

26% of residents in ZIP code 12475 are 65 or older, above the national average of ~17%.

What is the population of ZIP code 12475?

ZIP code 12475 has an estimated population of 460 residents, with a density of 394 people per square mile.

What timezone is ZIP code 12475 in?

ZIP code 12475 observes the EST timezone.