12531 ZIP Code — Holmes, NY

Dutchess County, New York

ZIP code 12531 is located in Holmes, New York, within Dutchess County. It covers approximately 17.43 square miles and serves a population of 2,590 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12531

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 $396,200. Owner-occupancy is high at 88%, well above the national average.

The gap between median ($134,676) 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. 32% 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. An above-average commute of 40 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 39% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12531 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,590

population

17.43

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12531 ZIP code map

Cities in ZIP code 12531

Below are the cities the US Postal Service accepts for ZIP code 12531. Using any city not on this list may result in mail delivery delays.

City	Status
Holmes	Acceptable
Holmes	Preferred

Nearby ZIP codes

12582 Stormville (2.9 mi) 12563 Patterson (5.4 mi) 12564 Pawling (5.4 mi) 12533 Hopewell Junction (5.6 mi) 12570 Poughquag (6.9 mi) 10512 Carmel (7.4 mi) 10509 Brewster (8.8 mi) 12540 Lagrangeville (9.8 mi) 06784 Sherman (10.3 mi) 12524 Fishkill (11.6 mi) 10541 Mahopac (11.6 mi) 12590 Wappingers Falls (11.7 mi)

Demographics updated 05/2026

Population
Total population	2,590
Population density	149 / sq mi
State FIPS	36
County FIPS	027

Geography
Land area	17.43 sq mi
Water area	1.00 sq mi
Latitude	41.5317
Longitude	-73.6740
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	26.4%	31.1%	37.0%
$50k – $100k	15.4%	27.7%	27.0%
$100k – $200k	35.2%	29.5%	24.4%
Over $200k	23.1%	11.8%	11.5%

Demographics & statistics

2,590

Population

149

People per sq mi

48.3

Median age

$134,676

Median household income

$68,574

Per capita income

$396,200

Median home value

Median monthly rent

88.1%

Home ownership

3.0%

Poverty rate

6.7%

Unemployment

1,014

Housing units

38.9%

Bachelor's or higher

Age distribution

Male Female

103

Under 5

100

5–9

10–14

129

15–19

124

20–24

109

25–34

105

128

35–44

124

220

45–54

212

112

55–59

109

107

60–64

103

150

65–74

145

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	531	20.5%
18 and over	2,059	79.5%
65 and over	491	19.0%
Median age	48.3 years

Race & ethnicity

White 85.5%

Two or more races 5.7%

Black or African American 3.3%

Hispanic or Latino 3%

Other race 1.8%

Asian 0.7%

Group	Count	%
White	2,284	85.5%
Two or more races	151	5.7%
Black or African American	88	3.3%
Hispanic or Latino	80	3%
Other race	48	1.8%
Asian	19	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.4%	31.1%	37.0%
$50k – $100k	15.4%	27.7%	27.0%
$100k – $200k	35.2%	29.5%	24.4%
Over $200k	23.1%	11.8%	11.5%

$15k–$25k 4.0%

$25k–$35k 0.9%

$35k–$50k 15.1%

$50k–$75k 10.7%

$75k–$100k 10.8%

$100k–$150k 16.4%

$150k–$200k 14.5%

$200k+ 27.5%

Range	% of households
$15k–$25k	4.0%
$25k–$35k	0.9%
$35k–$50k	15.1%
$50k–$75k	10.7%
$75k–$100k	10.8%
$100k–$150k	16.4%
$150k–$200k	14.5%
$200k+	27.5%
Median income	$134,676

Housing

Home values

Under $50k 1.4%

$100k–$150k 1.8%

$150k–$200k 3.9%

$200k–$300k 17.8%

$300k–$500k 50.8%

$500k–$1M 23.6%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$396,200
Median rent / month	$0
Owner occupied	88.1%
Renter occupied	11.9%
Vacant	14.1%
Single-family detached	98.7%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	6.2
Avg household size (owned)	2.72

Year built

Era	%
2020 or later	0.0%
2010–2019	1.8%
2000–2009	10.4%
1990–1999	10.3%
1980–1989	21.7%
1970–1979	14.4%
1960–1969	9.0%
1950–1959	2.1%
1940–1949	6.7%
1939 or earlier	23.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.1%
2 bedrooms	30.6%
3 bedrooms	51.2%
4 bedrooms	14.7%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	32.6%
2 vehicles	31.1%
3 or more	34.7%

Heating fuel

Fuel type	%
Utility gas	1.0%
Electricity	16.8%
Propane / LP gas	15.8%
Fuel oil	59.7%
Wood	6.7%

Households & families

Household type	Count	%
Married-couple family	548	56.4%
Cohabiting couple	33	3.4%
Male householder, no spouse	184	18.9%
Female householder, no spouse	206	21.2%
Households with children under 18	309	31.8%
Households with seniors (65+)	333	34.3%
Average household size	2.55

Marital status

Status	Male	Female
Never married	32.9%	22.8%
Married	51.2%	52.7%
Separated	0.1%	0.0%
Widowed	2.4%	13.6%
Divorced	13.3%	11.0%

Education

Less than 9th grade 0.9%

Some HS, no diploma 3.4%

HS graduate 30.8%

Some college, no degree 18.4%

Associate's degree 7.7%

Bachelor's degree 19.8%

Graduate / professional 19.1%

Metric	%
HS diploma or higher	95.7%
Bachelor's or higher	38.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	18	3.8%
Kindergarten	27	5.7%
Elementary school	160	33.8%
High school	130	27.5%
College / grad school	138	29.2%

Employment

Industry of employment

Education & healthcare 39.3%

Retail trade 12.3%

Construction 12.2%

Professional & management 10.6%

Manufacturing 6.4%

Finance & real estate 6.1%

Other services 3.9%

Transportation & utilities 3.8%

Wholesale trade 3.6%

Information 0.8%

Public administration 0.8%

Occupation

Category	%
Management, business & arts	43.9%
Service	7.0%
Sales & office	25.3%
Natural resources & construction	13.9%
Production & transportation	9.9%

Employment type

Type	%
Private sector	81.8%
Government	15.5%
Self-employed	2.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.2%
Carpool	3.9%
Public transit	4.0%
Walk	0.9%
Work from home	9.1%
Other means	0.0%
Avg commute (minutes)	40.4

Poverty

All people 3.0%

Under 18 years 0.0%

18 and over 3.8%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	32.3%
Retirement income	32.6%
Supplemental Security	3.6%
Cash public assistance	0.9%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	27.1%
High blood pressure	29.5%
High cholesterol	31.9%
Diabetes	7.6%
Heart disease	5.2%
Stroke	2.3%
Asthma	9.7%
Arthritis	20.6%
Kidney disease	2.4%
Pulmonary disease	5.2%
Cancer	6.6%

Behavior / access	%
Smoking	13.9%
Binge drinking	18.2%
No physical activity	19.1%
Less than 7 hrs sleep	32.7%
Depression	19.1%
Fair or poor health	9.4%
Poor mental health	13.0%
Poor physical health	8.2%
No health insurance	8.9%
Visited doctor (checkup)	77.1%
Visited dentist	71.4%
Cholesterol screening	92.3%
Teeth loss	10.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	95	4.6%

Disability	%
Any disability	10.8%
Under 18	1.5%
18–64 years	6.6%
65 and over	38.1%

Health insurance coverage

Type	%
Private insurance	82.0%
Public insurance	29.8%
No insurance	0.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,387	92.2%
Spanish	84	3.5%
Other Indo-European	13	0.5%
Asian & Pacific Islander	41	1.7%
Other languages	1	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,439	94.2%
Born in same state	2,436	94.1%
Born in different state	2,041	78.8%
Foreign born	3	0.1%
Naturalized citizen	151	5.8%
Not a US citizen	97	64.2%

Ancestry

Ancestry	Count	%
Italian	494	19.1%
Arab	392	15.1%
French	211	8.1%

Ancestry	Count	%
Irish	38	1.5%
German	25	1%
Polish	5	0.2%

Technology access

Metric	% of households
Computer access	37.5%
Internet access	95.8%

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

Frequently asked questions about ZIP code 12531

What city is ZIP code 12531 in?

ZIP code 12531 is primarily assigned to Holmes, New York.

What county is ZIP code 12531 in?

ZIP code 12531 falls within Dutchess County, New York.

Is ZIP code 12531 mostly owner-occupied?

88% of occupied units in ZIP code 12531 are owner-occupied, well above the national average.

What is the median household income in ZIP code 12531?

The median household income in ZIP code 12531 is $134,676, above the national median of ~$75,000.

What is the typical home value in ZIP code 12531?

The median home value in ZIP code 12531 is $396,200.

What is the population of ZIP code 12531?

ZIP code 12531 has an estimated population of 2,590 residents, with a density of 149 people per square mile.

What timezone is ZIP code 12531 in?

ZIP code 12531 observes the EST timezone.