12404 ZIP Code — Accord, NY

Ulster County, New York

ZIP code 12404 is located in Accord, New York, within Ulster County. It covers approximately 36.98 square miles and serves a population of 3,864 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12404

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $311,900. Owner-occupancy is high at 80%, well above the national average.

The gap between median ($71,851) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 19% of residents, above the national average. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 33 minutes is near the national average.

Educational attainment is high — 48% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 12404 reflects a community defined by economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

3,864

population

36.98

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12404 ZIP code map

Cities in ZIP code 12404

Below are the cities the US Postal Service accepts for ZIP code 12404. Using any city not on this list may result in mail delivery delays.

City	Status
Accord	Acceptable
Accord	Preferred

Nearby ZIP codes

12446 Kerhonkson (2.8 mi) 12440 High Falls (5.2 mi) 12484 Stone Ridge (5.3 mi) 12461 Olivebridge (6.3 mi) 12419 Cottekill (7.3 mi) 12458 Napanoch (9 mi) 12472 Rosendale (9.2 mi) 12561 New Paltz (9.2 mi) 12486 Tillson (9.3 mi) 12525 Gardiner (9.8 mi) 12494 West Shokan (9.9 mi) 12481 Shokan (11 mi)

Demographics updated 06/2026

Population
Total population	3,864
Population density	104 / sq mi
State FIPS	36
County FIPS	111

Geography
Land area	36.98 sq mi
Water area	0.31 sq mi
Latitude	41.8245
Longitude	-74.2455
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.2%	38.7%	37.0%
$50k – $100k	20.3%	29.7%	27.0%
$100k – $200k	21.8%	24.1%	24.4%
Over $200k	7.7%	7.5%	11.5%

Demographics & statistics

3,864

Population

104

People per sq mi

45.6

Median age

$71,851

Median household income

$43,167

Per capita income

$311,900

Median home value

$1,119

Median monthly rent

79.7%

Home ownership

19.0%

Poverty rate

6.0%

Unemployment

2,029

Housing units

47.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

110

5–9

112

10–14

140

148

15–19

185

20–24

137

25–34

170

180

35–44

223

335

45–54

417

152

55–59

190

175

60–64

217

145

65–74

180

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	961	24.9%
18 and over	2,903	75.1%
65 and over	583	15.1%
Median age	45.6 years

Race & ethnicity

White 85.7%

Two or more races 5.8%

Hispanic or Latino 5.8%

Other race 1.8%

Asian 0.6%

Black or African American 0.4%

Group	Count	%
White	3,512	85.7%
Two or more races	237	5.8%
Hispanic or Latino	236	5.8%
Other race	74	1.8%
Asian	25	0.6%
Black or African American	16	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.2%	38.7%	37.0%
$50k – $100k	20.3%	29.7%	27.0%
$100k – $200k	21.8%	24.1%	24.4%
Over $200k	7.7%	7.5%	11.5%

Under $10k 6.4%

$10k–$15k 5.4%

$15k–$25k 12.7%

$25k–$35k 3.2%

$35k–$50k 6.4%

$50k–$75k 16.7%

$75k–$100k 8.5%

$100k–$150k 19.7%

$150k–$200k 10.6%

$200k+ 10.2%

Range	% of households
Under $10k	6.4%
$10k–$15k	5.4%
$15k–$25k	12.7%
$25k–$35k	3.2%
$35k–$50k	6.4%
$50k–$75k	16.7%
$75k–$100k	8.5%
$100k–$150k	19.7%
$150k–$200k	10.6%
$200k+	10.2%
Median income	$71,851

Housing

Home values

Under $50k 6.0%

$50k–$100k 5.1%

$100k–$150k 2.0%

$150k–$200k 9.6%

$200k–$300k 24.9%

$300k–$500k 32.0%

$500k–$1M 13.9%

$1M+ 6.5%

Housing overview

Metric	Value
Median home value	$311,900
Median rent / month	$1,119
Owner occupied	79.7%
Renter occupied	20.3%
Vacant	32.4%
Single-family detached	81.9%
Large apartment buildings	2.2%
Mobile homes	7.3%
Median rooms	5.7
Avg household size (owned)	2.56

Year built

Era	%
2020 or later	2.6%
2010–2019	5.9%
2000–2009	7.9%
1990–1999	6.9%
1980–1989	14.1%
1970–1979	11.5%
1960–1969	11.6%
1950–1959	1.1%
1940–1949	8.2%
1939 or earlier	30.1%

Bedrooms

Size	% of units
No bedroom (studio)	4.2%
1 bedroom	12.0%
2 bedrooms	29.3%
3 bedrooms	34.4%
4 bedrooms	15.4%
5+ bedrooms	4.8%

Vehicles per household

Vehicles	% of households
No vehicle	4.5%
1 vehicle	44.0%
2 vehicles	20.7%
3 or more	30.8%

Heating fuel

Fuel type	%
Utility gas	2.8%
Electricity	14.4%
Propane / LP gas	17.2%
Fuel oil	45.3%
Wood	18.2%

Households & families

Household type	Count	%
Married-couple family	938	59.0%
Cohabiting couple	50	3.1%
Male householder, no spouse	155	9.7%
Female householder, no spouse	448	28.2%
Households with children under 18	554	34.8%
Households with seniors (65+)	407	25.6%
Average household size	2.42

Marital status

Status	Male	Female
Never married	27.5%	27.6%
Married	64.3%	52.1%
Separated	0.0%	3.7%
Widowed	5.3%	9.6%
Divorced	3.0%	7.0%

Education

Less than 9th grade 2.7%

Some HS, no diploma 11.5%

HS graduate 15.7%

Some college, no degree 10.4%

Associate's degree 12.2%

Bachelor's degree 24.1%

Graduate / professional 23.4%

Metric	%
HS diploma or higher	85.8%
Bachelor's or higher	47.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	76	7.9%
Kindergarten	13	1.3%
Elementary school	327	33.9%
High school	423	43.8%
College / grad school	126	13.1%

Employment

Industry of employment

Education & healthcare 31.2%

Arts, food & hospitality 15.2%

Professional & management 12.0%

Retail trade 8.3%

Construction 5.9%

Finance & real estate 5.8%

Transportation & utilities 5.0%

Manufacturing 4.8%

Other services 3.7%

Public administration 3.6%

Agriculture & mining 2.1%

Wholesale trade 1.3%

Information 1.1%

Occupation

Category	%
Management, business & arts	43.3%
Service	19.8%
Sales & office	18.0%
Natural resources & construction	4.8%
Production & transportation	14.1%

Employment type

Type	%
Private sector	70.1%
Government	14.1%
Self-employed	15.4%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	76.7%
Carpool	2.7%
Public transit	4.1%
Walk	1.9%
Work from home	13.3%
Other means	1.4%
Avg commute (minutes)	32.6

Poverty

All people 19.0%

Under 18 years 31.2%

18 and over 14.9%

Married-couple families 9.5%

Female-led households 64.1%

Income support

Source	% of households
Social Security	33.8%
Retirement income	24.8%
Supplemental Security	1.7%
Cash public assistance	1.5%
Food stamps / SNAP	9.9%

Health indicators

Condition	%
Obesity	28.6%
High blood pressure	31.8%
High cholesterol	33.8%
Diabetes	8.9%
Heart disease	6.1%
Stroke	2.8%
Asthma	10.3%
Arthritis	23.6%
Kidney disease	2.8%
Pulmonary disease	6.7%
Cancer	6.8%

Behavior / access	%
Smoking	16.7%
Binge drinking	17.5%
No physical activity	21.7%
Less than 7 hrs sleep	30.0%
Depression	20.4%
Fair or poor health	12.1%
Poor mental health	13.8%
Poor physical health	9.6%
No health insurance	9.7%
Visited doctor (checkup)	76.6%
Visited dentist	67.6%
Cholesterol screening	91.7%
Teeth loss	12.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	77	2.7%

Disability	%
Any disability	10.7%
Under 18	0.4%
18–64 years	7.4%
65 and over	40.8%

Health insurance coverage

Type	%
Private insurance	60.7%
Public insurance	46.2%
No insurance	2.4%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,666	94.9%
Spanish	46	1.3%
Other Indo-European	43	1.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,554	92.0%
Born in same state	3,554	92.0%
Born in different state	2,691	69.6%
Foreign born	0	0.0%
Naturalized citizen	310	8.0%
Not a US citizen	290	93.5%

Ancestry

Ancestry	Count	%
Italian	585	15.1%
French	490	12.7%
English	250	6.5%
Arab	105	2.7%

Ancestry	Count	%
Polish	80	2.1%
Irish	19	0.5%
German	17	0.4%

Technology access

Metric	% of households
Computer access	41.2%
Internet access	88.2%

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

Frequently asked questions about ZIP code 12404

What city is ZIP code 12404 in?

ZIP code 12404 is primarily assigned to Accord, New York.

What county is ZIP code 12404 in?

ZIP code 12404 falls within Ulster County, New York.

What is the poverty rate in ZIP code 12404?

19% of residents in ZIP code 12404 live below the poverty line, above the national average.

How educated is the population of ZIP code 12404?

48% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 12404?

The median home value in ZIP code 12404 is $311,900.

What is the population of ZIP code 12404?

ZIP code 12404 has an estimated population of 3,864 residents, with a density of 104 people per square mile.

What timezone is ZIP code 12404 in?

ZIP code 12404 observes the EST timezone.