12446 ZIP Code — Kerhonkson, NY

Ulster County, New York

ZIP code 12446 is located in Kerhonkson, New York, within Ulster County. It covers approximately 67.41 square miles and serves a population of 4,894 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12446

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $277,400. Owner-occupancy is high at 77%, well above the national average.

The gap between median ($73,600) and mean household income suggests income inequality — a small number of higher earners pull the average up. 39% 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 near the national average, with 35% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12446 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,894

population

67.41

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12446 ZIP code map

Cities in ZIP code 12446

Below are the cities the US Postal Service accepts for ZIP code 12446. Using any city not on this list may result in mail delivery delays.

City	Status
Kerhonkson	Acceptable
Kerhonkson	Preferred

Nearby ZIP codes

12404 Accord (2.8 mi) 12458 Napanoch (6.6 mi) 12440 High Falls (7.2 mi) 12461 Olivebridge (7.8 mi) 12484 Stone Ridge (8.1 mi) 12428 Ellenville (9.5 mi) 12525 Gardiner (9.7 mi) 12419 Cottekill (10 mi) 12740 Grahamsville (10.7 mi) 12561 New Paltz (10.9 mi) 12494 West Shokan (11.3 mi) 12566 Pine Bush (11.9 mi)

Demographics updated 06/2026

Population
Total population	4,894
Population density	73 / sq mi
State FIPS	36
County FIPS	111

Geography
Land area	67.41 sq mi
Water area	0.24 sq mi
Latitude	41.8024
Longitude	-74.2916
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	36.3%	38.7%	37.0%
$50k – $100k	38.9%	29.7%	27.0%
$100k – $200k	21.8%	24.1%	24.4%
Over $200k	3.0%	7.5%	11.5%

Demographics & statistics

4,894

Population

People per sq mi

42.1

Median age

$73,600

Median household income

$46,373

Per capita income

$277,400

Median home value

$1,188

Median monthly rent

76.6%

Home ownership

14.0%

Poverty rate

3.8%

Unemployment

2,199

Housing units

34.8%

Bachelor's or higher

Age distribution

Male Female

128

Under 5

142

5–9

125

10–14

140

185

15–19

205

210

20–24

233

259

25–34

288

214

35–44

238

256

45–54

285

165

55–59

183

222

60–64

247

265

65–74

296

173

75–84

193

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	969	19.8%
18 and over	3,925	80.2%
65 and over	1,006	20.6%
Median age	42.1 years

Race & ethnicity

White 74.7%

Two or more races 13.7%

Hispanic or Latino 7.6%

Black or African American 1.7%

Asian 1.2%

Other race 0.9%

American Indian / Alaska Native 0.2%

Group	Count	%
White	3,956	74.7%
Two or more races	728	13.7%
Hispanic or Latino	404	7.6%
Black or African American	88	1.7%
Asian	63	1.2%
Other race	47	0.9%
American Indian / Alaska Native	12	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.3%	38.7%	37.0%
$50k – $100k	38.9%	29.7%	27.0%
$100k – $200k	21.8%	24.1%	24.4%
Over $200k	3.0%	7.5%	11.5%

Under $10k 13.6%

$10k–$15k 0.4%

$15k–$25k 3.3%

$25k–$35k 7.0%

$35k–$50k 2.7%

$50k–$75k 26.3%

$75k–$100k 8.6%

$100k–$150k 16.0%

$150k–$200k 8.6%

$200k+ 13.3%

Range	% of households
Under $10k	13.6%
$10k–$15k	0.4%
$15k–$25k	3.3%
$25k–$35k	7.0%
$35k–$50k	2.7%
$50k–$75k	26.3%
$75k–$100k	8.6%
$100k–$150k	16.0%
$150k–$200k	8.6%
$200k+	13.3%
Median income	$73,600

Housing

Home values

Under $50k 4.0%

$50k–$100k 7.0%

$100k–$150k 5.7%

$150k–$200k 6.7%

$200k–$300k 32.4%

$300k–$500k 31.4%

$500k–$1M 10.0%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$277,400
Median rent / month	$1,188
Owner occupied	76.6%
Renter occupied	23.4%
Vacant	24.0%
Single-family detached	80.4%
Large apartment buildings	0.6%
Mobile homes	8.2%
Median rooms	5.6
Avg household size (owned)	2.23

Year built

Era	%
2020 or later	0.7%
2010–2019	7.7%
2000–2009	8.6%
1990–1999	5.3%
1980–1989	12.4%
1970–1979	20.1%
1960–1969	11.4%
1950–1959	13.5%
1940–1949	4.0%
1939 or earlier	16.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	9.3%
2 bedrooms	29.6%
3 bedrooms	41.8%
4 bedrooms	13.8%
5+ bedrooms	4.5%

Vehicles per household

Vehicles	% of households
No vehicle	1.7%
1 vehicle	30.3%
2 vehicles	51.2%
3 or more	16.8%

Heating fuel

Fuel type	%
Utility gas	4.7%
Electricity	7.5%
Propane / LP gas	11.5%
Fuel oil	62.3%
Wood	7.8%

Households & families

Household type	Count	%
Married-couple family	917	45.1%
Cohabiting couple	273	13.4%
Male householder, no spouse	183	9.0%
Female householder, no spouse	659	32.4%
Households with children under 18	614	30.2%
Households with seniors (65+)	736	36.2%
Average household size	2.39

Marital status

Status	Male	Female
Never married	37.1%	34.1%
Married	51.6%	42.2%
Separated	0.4%	1.5%
Widowed	5.0%	8.3%
Divorced	5.9%	13.9%

Education

Less than 9th grade 4.7%

Some HS, no diploma 3.3%

HS graduate 28.4%

Some college, no degree 17.8%

Associate's degree 11.0%

Bachelor's degree 19.7%

Graduate / professional 15.1%

Metric	%
HS diploma or higher	92.0%
Bachelor's or higher	34.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	17	1.8%
Kindergarten	40	4.2%
Elementary school	357	37.7%
High school	323	34.1%
College / grad school	209	22.1%

Employment

Industry of employment

Education & healthcare 27.0%

Retail trade 16.6%

Public administration 12.8%

Arts, food & hospitality 12.7%

Construction 12.5%

Professional & management 5.4%

Manufacturing 3.3%

Finance & real estate 2.9%

Other services 2.2%

Transportation & utilities 1.7%

Wholesale trade 1.5%

Information 1.2%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	40.7%
Service	16.5%
Sales & office	19.6%
Natural resources & construction	18.2%
Production & transportation	4.9%

Employment type

Type	%
Private sector	59.0%
Government	27.0%
Self-employed	12.2%
Unpaid family workers	1.8%

Commute

Method	%
Drive alone	59.9%
Carpool	14.8%
Public transit	6.1%
Walk	0.7%
Work from home	16.1%
Other means	2.4%
Avg commute (minutes)	33.2

Poverty

All people 14.0%

Under 18 years 14.1%

18 and over 13.9%

Married-couple families 1.4%

Female-led households 46.9%

Income support

Source	% of households
Social Security	38.6%
Retirement income	25.7%
Supplemental Security	8.2%
Cash public assistance	7.0%
Food stamps / SNAP	8.9%

Health indicators

Condition	%
Obesity	28.8%
High blood pressure	31.9%
High cholesterol	33.6%
Diabetes	9.1%
Heart disease	6.3%
Stroke	2.9%
Asthma	10.4%
Arthritis	23.7%
Kidney disease	2.9%
Pulmonary disease	7.0%
Cancer	6.8%

Behavior / access	%
Smoking	17.8%
Binge drinking	17.7%
No physical activity	23.3%
Less than 7 hrs sleep	30.6%
Depression	20.6%
Fair or poor health	12.9%
Poor mental health	14.3%
Poor physical health	10.0%
No health insurance	10.8%
Visited doctor (checkup)	76.1%
Visited dentist	65.6%
Cholesterol screening	90.9%
Teeth loss	13.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	211	5.4%

Disability	%
Any disability	14.9%
Under 18	5.9%
18–64 years	13.3%
65 and over	28.0%

Health insurance coverage

Type	%
Private insurance	72.1%
Public insurance	38.5%
No insurance	5.6%
Uninsured under 19	11.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,624	94.5%
Spanish	236	5.1%
Other Indo-European	10	0.2%
Asian & Pacific Islander	226	4.9%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,372	89.3%
Born in same state	4,363	89.1%
Born in different state	3,679	75.2%
Foreign born	9	0.2%
Naturalized citizen	522	10.7%
Not a US citizen	446	85.4%

Ancestry

Ancestry	Count	%
Italian	1,080	22.1%
English	330	6.7%
French	262	5.4%
Arab	186	3.8%

Ancestry	Count	%
German	81	1.7%
Irish	74	1.5%
Polish	21	0.4%

Technology access

Metric	% of households
Computer access	41.5%
Internet access	97.4%

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

Frequently asked questions about ZIP code 12446

What city is ZIP code 12446 in?

ZIP code 12446 is primarily assigned to Kerhonkson, New York.

What county is ZIP code 12446 in?

ZIP code 12446 falls within Ulster County, New York.

Does ZIP code 12446 have a large retiree population?

39% of households in ZIP code 12446 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 12446?

ZIP code 12446 has an estimated population of 4,894 residents, with a density of 73 people per square mile.

What is the typical home value in ZIP code 12446?

The median home value in ZIP code 12446 is $277,400.

What is the median household income in ZIP code 12446?

The median household income in ZIP code 12446 is $73,600, below the national median of ~$75,000.

What timezone is ZIP code 12446 in?

ZIP code 12446 observes the EST timezone.