12520 ZIP Code — Cornwall On Hudson, NY

Orange County, New York

ZIP code 12520 is located in Cornwall On Hudson, New York, within Orange County. It covers approximately 4.14 square miles and serves a population of 3,088 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12520

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 $420,300. Owner-occupancy sits near the national average at 72%.

The gap between median ($118,333) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 35% 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 32 minutes is near the national average.

Educational attainment is high — 57% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 12520 reflects a community defined by a highly educated population, a strong veteran community, and a significant Social Security-dependent population.

3,088

population

4.14

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12520 ZIP code map

Cities in ZIP code 12520

Below are the cities the US Postal Service accepts for ZIP code 12520. Using any city not on this list may result in mail delivery delays.

City	Status
Cornwall On Hudson	Acceptable
Cornwall On Hudson	Preferred

Nearby ZIP codes

12518 Cornwall (1.6 mi) 12553 New Windsor (2.8 mi) 10996 West Point (3.6 mi) 12508 Beacon (4.9 mi) 10516 Cold Spring (5.2 mi) 12577 Salisbury Mills (5.2 mi) 10524 Garrison (6 mi) 10930 Highland Mills (6.8 mi) 12550 Newburgh (7.1 mi) 10928 Highland Falls (8.1 mi) 10992 Washingtonville (8.3 mi) 12524 Fishkill (8.6 mi)

Demographics updated 05/2026

Population
Total population	3,088
Population density	746 / sq mi
State FIPS	36
County FIPS	071

Geography
Land area	4.14 sq mi
Water area	0.02 sq mi
Latitude	41.4374
Longitude	-74.0096
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.9%	31.9%	37.0%
$50k – $100k	26.5%	27.9%	27.0%
$100k – $200k	41.9%	29.5%	24.4%
Over $200k	13.7%	10.6%	11.5%

Demographics & statistics

3,088

Population

746

People per sq mi

46.8

Median age

$118,333

Median household income

$59,578

Per capita income

$420,300

Median home value

$1,373

Median monthly rent

72.3%

Home ownership

3.1%

Poverty rate

0.7%

Unemployment

960

Housing units

56.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

105

10–14

119

128

15–19

144

20–24

103

25–34

180

35–44

202

290

45–54

326

129

55–59

145

60–64

156

65–74

176

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	593	19.2%
18 and over	2,495	80.8%
65 and over	644	20.9%
Median age	46.8 years

Race & ethnicity

White 85.9%

Hispanic or Latino 4.1%

Two or more races 3.4%

Black or African American 2.3%

Asian 2.2%

Other race 2%

Group	Count	%
White	2,768	85.9%
Hispanic or Latino	133	4.1%
Two or more races	111	3.4%
Black or African American	74	2.3%
Asian	70	2.2%
Other race	65	2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.9%	31.9%	37.0%
$50k – $100k	26.5%	27.9%	27.0%
$100k – $200k	41.9%	29.5%	24.4%
Over $200k	13.7%	10.6%	11.5%

Under $10k 1.2%

$15k–$25k 2.9%

$25k–$35k 5.1%

$35k–$50k 5.5%

$50k–$75k 7.7%

$75k–$100k 16.8%

$100k–$150k 23.2%

$150k–$200k 15.8%

$200k+ 21.7%

Range	% of households
Under $10k	1.2%
$15k–$25k	2.9%
$25k–$35k	5.1%
$35k–$50k	5.5%
$50k–$75k	7.7%
$75k–$100k	16.8%
$100k–$150k	23.2%
$150k–$200k	15.8%
$200k+	21.7%
Median income	$118,333

Housing

Home values

$50k–$100k 1.1%

$100k–$150k 1.1%

$200k–$300k 12.6%

$300k–$500k 58.4%

$500k–$1M 23.8%

$1M+ 2.9%

Housing overview

Metric	Value
Median home value	$420,300
Median rent / month	$1,373
Owner occupied	72.3%
Renter occupied	27.7%
Vacant	5.6%
Single-family detached	77.6%
Large apartment buildings	2.9%
Mobile homes	0.0%
Median rooms	6.6
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.0%
2010–2019	2.5%
2000–2009	2.5%
1990–1999	3.3%
1980–1989	11.2%
1970–1979	5.3%
1960–1969	9.5%
1950–1959	14.3%
1940–1949	1.3%
1939 or earlier	49.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	14.5%
2 bedrooms	13.2%
3 bedrooms	36.3%
4 bedrooms	27.5%
5+ bedrooms	7.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	31.2%
2 vehicles	49.5%
3 or more	17.8%

Heating fuel

Fuel type	%
Utility gas	70.4%
Electricity	11.1%
Propane / LP gas	1.5%
Fuel oil	13.8%
Wood	1.3%

Households & families

Household type	Count	%
Married-couple family	709	57.8%
Cohabiting couple	110	9.0%
Male householder, no spouse	194	15.8%
Female householder, no spouse	213	17.4%
Households with children under 18	409	33.4%
Households with seniors (65+)	385	31.4%
Average household size	2.43

Marital status

Status	Male	Female
Never married	26.9%	33.0%
Married	56.9%	51.9%
Separated	3.1%	0.4%
Widowed	2.3%	5.5%
Divorced	10.9%	9.2%

Education

Less than 9th grade 0.2%

Some HS, no diploma 1.2%

HS graduate 12.9%

Some college, no degree 13.9%

Associate's degree 15.1%

Bachelor's degree 21.3%

Graduate / professional 35.4%

Metric	%
HS diploma or higher	98.6%
Bachelor's or higher	56.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	21	3.1%
Kindergarten	26	3.8%
Elementary school	305	44.8%
High school	220	32.3%
College / grad school	109	16.0%

Employment

Industry of employment

Education & healthcare 34.5%

Public administration 11.3%

Arts, food & hospitality 8.4%

Retail trade 7.7%

Professional & management 7.7%

Construction 6.2%

Transportation & utilities 6.1%

Manufacturing 5.7%

Finance & real estate 4.3%

Information 3.6%

Other services 3.4%

Wholesale trade 1.2%

Occupation

Category	%
Management, business & arts	54.0%
Service	16.2%
Sales & office	14.7%
Natural resources & construction	6.1%
Production & transportation	9.1%

Employment type

Type	%
Private sector	62.3%
Government	30.0%
Self-employed	5.3%
Unpaid family workers	2.4%

Commute

Method	%
Drive alone	81.8%
Carpool	1.7%
Public transit	1.0%
Walk	2.5%
Work from home	13.0%
Other means	0.0%
Avg commute (minutes)	32.4

Poverty

All people 3.1%

Under 18 years 0.7%

18 and over 3.7%

Married-couple families 0.7%

Female-led households 0.0%

Income support

Source	% of households
Social Security	34.7%
Retirement income	43.4%
Supplemental Security	2.0%
Cash public assistance	1.0%
Food stamps / SNAP	3.2%

Health indicators

Condition	%
Obesity	25.2%
High blood pressure	28.1%
High cholesterol	32.6%
Diabetes	7.7%
Heart disease	5.2%
Stroke	2.2%
Asthma	9.6%
Arthritis	22.5%
Kidney disease	2.4%
Pulmonary disease	4.8%
Cancer	7.3%

Behavior / access	%
Smoking	11.5%
Binge drinking	18.0%
No physical activity	17.6%
Less than 7 hrs sleep	32.1%
Depression	19.3%
Fair or poor health	8.2%
Poor mental health	12.4%
Poor physical health	7.4%
No health insurance	7.3%
Visited doctor (checkup)	77.8%
Visited dentist	76.6%
Cholesterol screening	93.4%
Teeth loss	7.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	273	11.2%

Disability	%
Any disability	14.4%
Under 18	1.0%
18–64 years	13.3%
65 and over	29.7%

Health insurance coverage

Type	%
Private insurance	84.3%
Public insurance	32.2%
No insurance	2.9%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,028	98.1%
Spanish	46	1.5%
Other Indo-European	21	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	18	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,904	94.0%
Born in same state	2,870	92.9%
Born in different state	2,161	70.0%
Foreign born	34	1.1%
Naturalized citizen	184	6.0%
Not a US citizen	129	70.1%

Ancestry

Ancestry	Count	%
Italian	727	23.5%
French	448	14.5%
Arab	280	9.1%
German	42	1.4%

Ancestry	Count	%
English	35	1.1%
Dutch	28	0.9%
Irish	16	0.5%
Polish	14	0.5%

Technology access

Metric	% of households
Computer access	39.7%
Internet access	94.0%

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

Frequently asked questions about ZIP code 12520

What city is ZIP code 12520 in?

ZIP code 12520 is primarily assigned to Cornwall On Hudson, New York.

What county is ZIP code 12520 in?

ZIP code 12520 falls within Orange County, New York.

How educated is the population of ZIP code 12520?

57% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 12520 have a large veteran population?

11% of civilians in ZIP code 12520 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 12520?

The median home value in ZIP code 12520 is $420,300.

What is the median household income in ZIP code 12520?

The median household income in ZIP code 12520 is $118,333, above the national median of ~$75,000.

What timezone is ZIP code 12520 in?

ZIP code 12520 observes the EST timezone.