12495 ZIP Code — Willow, NY

Ulster County, New York

ZIP code 12495 is located in Willow, New York, within Ulster County. It covers approximately 7.55 square miles and serves a population of 87 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

population

7.55

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12495 ZIP code map

Cities in ZIP code 12495

Below are the cities the US Postal Service accepts for ZIP code 12495. Using any city not on this list may result in mail delivery delays.

City	Status
Willow	Preferred

Nearby ZIP codes

12448 Lake Hill (0.9 mi) 12457 Mount Tremper (2.3 mi) 12416 Chichester (2.7 mi) 12409 Bearsville (3.5 mi) 12450 Lanesville (5.9 mi) 12498 Woodstock (6.3 mi) 12412 Boiceville (6.5 mi) 12433 Glenford (6.7 mi) 12481 Shokan (6.8 mi) 12427 Elka Park (6.8 mi) 12464 Phoenicia (7.4 mi) 12491 West Hurley (8.4 mi)

Demographics updated 06/2026

Population
Total population	87
Population density	12 / sq mi
State FIPS	36
County FIPS	111

Geography
Land area	7.55 sq mi
Water area	0.00 sq mi
Latitude	42.0806
Longitude	-74.2206
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	42.6%	38.7%	37.0%
$50k – $100k	27.9%	29.7%	27.0%
$100k – $200k	0.0%	24.1%	24.4%
Over $200k	29.5%	7.5%	11.5%

Demographics & statistics

Population

People per sq mi

71.8

Median age

$58,571

Median household income

$44,163

Per capita income

$342,900

Median home value

Median monthly rent

67.5%

Home ownership

0.0%

Poverty rate

17.5%

Unemployment

156

Housing units

43.7%

Bachelor's or higher

Age distribution

Male Female

55–59

65–74

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	0	0.0%
18 and over	87	100.0%
65 and over	76	87.4%
Median age	71.8 years

Race & ethnicity

White 100%

Group	Count	%
White	87	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.6%	38.7%	37.0%
$50k – $100k	27.9%	29.7%	27.0%
$100k – $200k	0.0%	24.1%	24.4%
Over $200k	29.5%	7.5%	11.5%

$15k–$25k 32.5%

$50k–$75k 67.5%

Range	% of households
$15k–$25k	32.5%
$50k–$75k	67.5%
Median income	$58,571

Housing

Home values

$200k–$300k 22.2%

$300k–$500k 77.8%

Housing overview

Metric	Value
Median home value	$342,900
Median rent / month	$0
Owner occupied	67.5%
Renter occupied	32.5%
Vacant	56.0%
Single-family detached	85.7%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	5.1
Avg household size (owned)	1.13

Year built

Era	%
2020 or later	0.0%
2010–2019	14.3%
2000–2009	0.0%
1990–1999	0.0%
1980–1989	23.6%
1970–1979	13.7%
1960–1969	12.6%
1950–1959	35.7%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	20.3%
2 bedrooms	46.2%
3 bedrooms	33.5%
4 bedrooms	0.0%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	61.3%
2 vehicles	30.0%
3 or more	8.8%

Heating fuel

Fuel type	%
Propane / LP gas	22.5%
Fuel oil	62.5%

Households & families

Household type	Count	%
Married-couple family	7	8.8%
Cohabiting couple	0	0.0%
Male householder, no spouse	47	58.8%
Female householder, no spouse	26	32.5%
Households with children under 18	0	0.0%
Households with seniors (65+)	69	86.3%
Average household size	1.09

Marital status

Status	Male	Female
Never married	42.6%	78.8%
Married	13.0%	21.2%
Separated	0.0%	0.0%
Widowed	44.4%	0.0%
Divorced	0.0%	0.0%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.0%

HS graduate 56.3%

Some college, no degree 0.0%

Associate's degree 0.0%

Bachelor's degree 13.8%

Graduate / professional 29.9%

Metric	%
HS diploma or higher	100.0%
Bachelor's or higher	43.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	0	0.0%
High school	0	0.0%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 50.0%

Construction 23.1%

Retail trade 13.5%

Other services 13.5%

Occupation

Category	%
Management, business & arts	50.0%
Service	0.0%
Sales & office	13.5%
Natural resources & construction	23.1%
Production & transportation	13.5%

Employment type

Type	%
Private sector	50.0%
Government	0.0%
Self-employed	50.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.1%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	26.9%
Other means	0.0%
Avg commute (minutes)	0.0

Poverty

All people 0.0%

Under 18 years 0.0%

18 and over 0.0%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	86.3%
Retirement income	30.0%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	26.4%
High blood pressure	37.3%
High cholesterol	39.8%
Diabetes	10.3%
Heart disease	7.6%
Stroke	3.2%
Asthma	9.4%
Arthritis	28.6%
Kidney disease	3.3%
Pulmonary disease	6.9%
Cancer	9.5%

Behavior / access	%
Smoking	12.1%
Binge drinking	13.6%
No physical activity	19.7%
Less than 7 hrs sleep	26.8%
Depression	17.8%
Fair or poor health	11.1%
Poor mental health	10.8%
Poor physical health	9.3%
No health insurance	6.8%
Visited doctor (checkup)	80.9%
Visited dentist	73.8%
Cholesterol screening	95.7%
Teeth loss	8.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	24	27.6%

Disability	%
Any disability	27.6%
Under 18	0.0%
18–64 years	0.0%
65 and over	31.6%

Health insurance coverage

Type	%
Private insurance	57.5%
Public insurance	100.0%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	87	100.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	80	92.0%
Born in same state	80	92.0%
Born in different state	80	92.0%
Foreign born	0	0.0%
Naturalized citizen	7	8.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
English	24	27.6%

Technology access

Metric	% of households
Computer access	92.0%
Internet access	55.0%

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

Frequently asked questions about ZIP code 12495

What city is ZIP code 12495 in?

ZIP code 12495 is primarily assigned to Willow, New York.

What county is ZIP code 12495 in?

ZIP code 12495 falls within Ulster County, New York.

Does ZIP code 12495 have an older population?

87% of residents in ZIP code 12495 are 65 or older, above the national average of ~17%.

Does ZIP code 12495 have a large retiree population?

86% of households in ZIP code 12495 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 12495 have a large veteran population?

28% of civilians in ZIP code 12495 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 12495?

The median home value in ZIP code 12495 is $342,900.

What timezone is ZIP code 12495 in?

ZIP code 12495 observes the EST timezone.