12549 ZIP Code — Montgomery, NY

Orange County, New York

ZIP code 12549 is located in Montgomery, New York, within Orange County. It covers approximately 38.75 square miles and serves a population of 10,635 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12549

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 $356,000. Owner-occupancy is high at 81%, well above the national average.

Median household income is $112,850. 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 33 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12549 reflects a community defined by high homeownership and a significant Social Security-dependent population.

10,635

population

38.75

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12549 ZIP code map

Cities in ZIP code 12549

Below are the cities the US Postal Service accepts for ZIP code 12549. Using any city not on this list may result in mail delivery delays.

City	Status
Montgomery	Preferred

Nearby ZIP codes

12543 Maybrook (3.1 mi) 12586 Walden (4.3 mi) 12575 Rock Tavern (5.2 mi) 10916 Campbell Hall (5.3 mi) 10941 Middletown (5.6 mi) 10919 Circleville (6.5 mi) 10985 Thompson Ridge (6.7 mi) 10992 Washingtonville (7.9 mi) 12566 Pine Bush (8.5 mi) 12589 Wallkill (8.7 mi) 12721 Bloomingburg (10 mi) 12577 Salisbury Mills (10.1 mi)

Demographics updated 06/2026

Population
Total population	10,635
Population density	274 / sq mi
State FIPS	36
County FIPS	071

Geography
Land area	38.75 sq mi
Water area	0.54 sq mi
Latitude	41.5247
Longitude	-74.2529
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	24.8%	31.9%	37.0%
$50k – $100k	24.2%	27.9%	27.0%
$100k – $200k	38.0%	29.5%	24.4%
Over $200k	13.0%	10.6%	11.5%

Demographics & statistics

10,635

Population

274

People per sq mi

39.2

Median age

$112,850

Median household income

$43,510

Per capita income

$356,000

Median home value

$1,536

Median monthly rent

81.2%

Home ownership

7.5%

Poverty rate

3.6%

Unemployment

3,176

Housing units

32.1%

Bachelor's or higher

Age distribution

Male Female

205

Under 5

215

489

5–9

516

409

10–14

431

336

15–19

354

284

20–24

299

555

25–34

585

779

35–44

820

676

45–54

713

324

55–59

341

274

60–64

288

465

65–74

491

280

75–84

295

103

85+

108

← Male

Female →

Age summary

Group	Count	%
Under 18	2,557	24.0%
18 and over	8,078	76.0%
65 and over	1,742	16.4%
Median age	39.2 years

Race & ethnicity

White 66.8%

Hispanic or Latino 10.5%

Black or African American 10%

Two or more races 8.5%

Other race 3.7%

Asian 0.4%

American Indian / Alaska Native 0.1%

Group	Count	%
White	7,937	66.8%
Hispanic or Latino	1,251	10.5%
Black or African American	1,185	10%
Two or more races	1,016	8.5%
Other race	445	3.7%
Asian	42	0.4%
American Indian / Alaska Native	10	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.8%	31.9%	37.0%
$50k – $100k	24.2%	27.9%	27.0%
$100k – $200k	38.0%	29.5%	24.4%
Over $200k	13.0%	10.6%	11.5%

Under $10k 6.7%

$10k–$15k 2.2%

$15k–$25k 4.4%

$25k–$35k 2.8%

$35k–$50k 7.5%

$50k–$75k 8.3%

$75k–$100k 10.5%

$100k–$150k 28.2%

$150k–$200k 9.2%

$200k+ 20.2%

Range	% of households
Under $10k	6.7%
$10k–$15k	2.2%
$15k–$25k	4.4%
$25k–$35k	2.8%
$35k–$50k	7.5%
$50k–$75k	8.3%
$75k–$100k	10.5%
$100k–$150k	28.2%
$150k–$200k	9.2%
$200k+	20.2%
Median income	$112,850

Housing

Home values

Under $50k 1.0%

$100k–$150k 0.9%

$150k–$200k 3.5%

$200k–$300k 30.1%

$300k–$500k 48.0%

$500k–$1M 13.9%

$1M+ 2.5%

Housing overview

Metric	Value
Median home value	$356,000
Median rent / month	$1,536
Owner occupied	81.2%
Renter occupied	18.8%
Vacant	5.6%
Single-family detached	80.9%
Large apartment buildings	4.8%
Mobile homes	0.6%
Median rooms	6.1
Avg household size (owned)	3.12

Year built

Era	%
2020 or later	0.3%
2010–2019	8.0%
2000–2009	13.4%
1990–1999	14.2%
1980–1989	10.1%
1970–1979	17.5%
1960–1969	8.9%
1950–1959	13.7%
1940–1949	2.1%
1939 or earlier	11.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	10.5%
2 bedrooms	17.5%
3 bedrooms	44.7%
4 bedrooms	23.7%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.2%
1 vehicle	29.9%
2 vehicles	39.0%
3 or more	28.9%

Heating fuel

Fuel type	%
Utility gas	38.6%
Electricity	6.3%
Propane / LP gas	6.9%
Fuel oil	43.4%
Wood	2.7%
Solar	0.5%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	2,112	57.9%
Cohabiting couple	247	6.8%
Male householder, no spouse	504	13.8%
Female householder, no spouse	785	21.5%
Households with children under 18	1,343	36.8%
Households with seniors (65+)	1,263	34.6%
Average household size	2.88

Marital status

Status	Male	Female
Never married	34.2%	28.4%
Married	56.8%	51.3%
Separated	1.0%	0.7%
Widowed	2.8%	9.1%
Divorced	5.2%	10.5%

Education

Less than 9th grade 1.8%

Some HS, no diploma 4.5%

HS graduate 25.5%

Some college, no degree 22.8%

Associate's degree 13.3%

Bachelor's degree 19.7%

Graduate / professional 12.4%

Metric	%
HS diploma or higher	93.7%
Bachelor's or higher	32.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	112	4.1%
Kindergarten	133	4.9%
Elementary school	1,500	55.0%
High school	489	17.9%
College / grad school	493	18.1%

Employment

Industry of employment

Education & healthcare 26.4%

Finance & real estate 9.0%

Professional & management 9.0%

Retail trade 8.6%

Arts, food & hospitality 8.4%

Construction 8.0%

Transportation & utilities 7.5%

Manufacturing 6.2%

Public administration 5.6%

Other services 5.2%

Wholesale trade 2.3%

Agriculture & mining 2.0%

Information 1.9%

Occupation

Category	%
Management, business & arts	39.1%
Service	17.7%
Sales & office	22.3%
Natural resources & construction	10.6%
Production & transportation	10.3%

Employment type

Type	%
Private sector	72.7%
Government	20.4%
Self-employed	6.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	81.8%
Carpool	4.5%
Public transit	2.6%
Walk	0.4%
Work from home	9.3%
Other means	1.2%
Avg commute (minutes)	32.9

Poverty

All people 7.5%

Under 18 years 10.4%

18 and over 6.6%

Married-couple families 0.0%

Female-led households 10.8%

Income support

Source	% of households
Social Security	35.1%
Retirement income	28.1%
Supplemental Security	3.0%
Cash public assistance	1.9%
Food stamps / SNAP	2.7%

Health indicators

Condition	%
Obesity	28.5%
High blood pressure	29.5%
High cholesterol	32.6%
Diabetes	8.8%
Heart disease	5.5%
Stroke	2.6%
Asthma	10.5%
Arthritis	23.2%
Kidney disease	2.6%
Pulmonary disease	6.0%
Cancer	6.5%

Behavior / access	%
Smoking	15.9%
Binge drinking	17.9%
No physical activity	22.4%
Less than 7 hrs sleep	35.1%
Depression	20.8%
Fair or poor health	11.2%
Poor mental health	14.3%
Poor physical health	9.1%
No health insurance	10.4%
Visited doctor (checkup)	76.9%
Visited dentist	69.6%
Cholesterol screening	91.6%
Teeth loss	11.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	418	5.3%

Disability	%
Any disability	9.3%
Under 18	3.1%
18–64 years	8.0%
65 and over	23.7%

Health insurance coverage

Type	%
Private insurance	84.5%
Public insurance	24.8%
No insurance	2.7%
Uninsured under 19	0.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,215	96.1%
Spanish	266	2.6%
Other Indo-European	224	2.2%
Asian & Pacific Islander	42	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,952	93.6%
Born in same state	9,803	92.2%
Born in different state	8,510	80.0%
Foreign born	149	1.4%
Naturalized citizen	683	6.4%
Not a US citizen	534	78.2%

Ancestry

Ancestry	Count	%
Italian	1,837	17.3%
Arab	631	5.9%
French	544	5.1%
English	377	3.5%

Ancestry	Count	%
Irish	99	0.9%
German	60	0.6%
Polish	52	0.5%

Technology access

Metric	% of households
Computer access	34.3%
Internet access	95.5%

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

Frequently asked questions about ZIP code 12549

What city is ZIP code 12549 in?

ZIP code 12549 is primarily assigned to Montgomery, New York.

What county is ZIP code 12549 in?

ZIP code 12549 falls within Orange County, New York.

Is ZIP code 12549 mostly owner-occupied?

81% of occupied units in ZIP code 12549 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 12549?

The median home value in ZIP code 12549 is $356,000.

Does ZIP code 12549 have a large retiree population?

35% of households in ZIP code 12549 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 12549?

The median household income in ZIP code 12549 is $112,850, above the national median of ~$75,000.

What timezone is ZIP code 12549 in?

ZIP code 12549 observes the EST timezone.