Estimated median household income in 2008: $52,160
| This zip code: | $52,160 | | New York: | $56,033 |
Nearest zip codes: 12489, 12404, 12458, 12428, 12461, 12420.
Housing units in zip code 12446 with a mortgage: 637 (74 second mortgage, 81 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 374
Median monthly owner costs for units with a mortgage: $1,574
Median monthly owner costs for units without a mortgage: $524
Residents with income below the poverty level in 2008:
| This zip code: | 10.3% | | Whole state: | 13.6% |
Residents with income below 50% of the poverty level in 2008:
| This zip code: | 5.4% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 5.5 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.3 | | State: | 3.6 |
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Notable locations in this zip code not listed on our city pages:
Lakes: Lyon Lake (A), Minnewaska, Lake (B), Mud Pond (C), Awosting, Lake (D). Display/hide their locations on the map
Streams, rivers, and creeks: Lyon Creek (A), Mine Hole Brook (B), Fly Brook (C), Sapbush Creek (D). Display/hide their locations on the map
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Year house built: |
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- 1999 to March 2000: 14
- 1995 to 1998: 97
- 1990 to 1994: 194
- 1980 to 1989: 437
- 1970 to 1979: 388
- 1960 to 1969: 434
- 1950 to 1959: 443
- 1940 to 1949: 228
- 1939 or earlier: 436
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Bedrooms in owner-occupied houses in Kerhonkson, NY (12446): |
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- no bedroom: 0
- 1 bedrooms: 48
- 2 bedrooms: 509
- 3 bedrooms: 618
- 4 bedrooms: 179
- 5 or more bedrooms: 76
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 14
- 1 bedrooms: 121
- 2 bedrooms: 220
- 3 bedrooms: 137
- 4 bedrooms: 5
- 5 or more bedrooms: 24
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Vehicles available in 12446 zip code in owner-occupied houses/condos: |
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- no vehicle: 65
- 1 vehicle: 408
- 2 vehicles: 610
- 3 vehicles: 258
- 4 vehicles: 48
- 5 or more vehicles: 41
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 41
- 1 vehicle: 254
- 2 vehicles: 195
- 3 vehicles: 18
- 4 vehicles: 13
- 5 or more vehicles: 0
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Estimated household income distribution in 2008:

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Estimate of home value of owner-occupied houses/condos in 2008 in zip code 12446:
- Less than $10,000: 12
- $10,000 to $14,999: 6
- $15,000 to $19,999: 6
- $20,000 to $24,999: 6
- $25,000 to $29,999: 6
- $30,000 to $34,999: 3
- $50,000 to $59,999: 15
- $60,000 to $69,999: 21
- $70,000 to $79,999: 18
- $80,000 to $89,999: 20
- $90,000 to $99,999: 24
- $100,000 to $124,999: 65
- $125,000 to $149,999: 124
- $150,000 to $174,999: 125
- $175,000 to $199,999: 192
- $200,000 to $249,999: 241
- $250,000 to $299,999: 204
- $300,000 to $399,999: 202
- $400,000 to $499,999: 83
- $500,000 to $749,999: 65
- $750,000 to $999,999: 3
- $1,000,000 or more: 29
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Rent paid by renters in 2008 in zip code 12446:
- Less than $100: 5
- $100 to $149: 2
- $400 to $449: 27
- $450 to $499: 33
- $500 to $549: 22
- $550 to $599: 89
- $600 to $649: 62
- $650 to $699: 38
- $700 to $749: 48
- $750 to $799: 32
- $800 to $899: 50
- $900 to $999: 15
- $1,000 to $1,249: 16
- $1,250 to $1,499: 4
- $1,500 to $1,999: 7
- No cash rent: 32
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Median price asked for vacant for-sale houses and condos in 2008: $131,794.
Estimated median house (or condo) value in 2008 for: - White Non-Hispanic householders: $216,272
- Black or African American householders: $182,568
- American Indian or Alaska Native householders: $297,078
- Some other race householders: $187,969
- Hispanic or Latino householders: $301,615
Estimated median house or condo value in 2008: $165,946 (it was $99,500 in 2000)
| 12446: | $165,946 | | New York: | $318,900 |
Lower value quartile - upper value quartile: $88,147 - $219,935
Mean price in 2008:
Detached houses: $250,903| Here: | $250,903 | | State: | $361,784 |
Townhouses or other attached units: $161,997| Here: | $161,997 | | State: | $496,977 |
In 2-unit structures: $155,624| Here: | $155,624 | | State: | $485,140 |
In 5-or-more-unit structures: $394,438| Here: | $394,438 | | State: | $694,721 |
Mobile homes: $50,581| Here: | $50,581 | | State: | $40,766 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,997
- One, attached: 13
- Two: 137
- 3 or 4: 55
- 5 to 9: 53
- 10 to 19: 14
- 50 or more: 12
- Mobile homes: 361
- Boats, RVs, vans, etc.: 29

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Means of transportation to work
- Drove a car alone: 1,631 (72%)
- Carpooled: 339 (15%)
- Bus or trolley bus: 16 (1%)
- Subway or elevated: 48 (2%)
- Railroad: 28 (1%)
- Walked: 62 (3%)
- Other means: 9 (0%)
- Worked at home: 124 (5%)
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Travel time to work
- Less than 5 minutes: 67
- 5 to 9 minutes: 188
- 10 to 14 minutes: 341
- 15 to 19 minutes: 302
- 20 to 24 minutes: 229
- 25 to 29 minutes: 119
- 30 to 34 minutes: 259
- 35 to 39 minutes: 89
- 40 to 44 minutes: 92
- 45 to 59 minutes: 203
- 60 to 89 minutes: 93
- 90 or more minutes: 151
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Percentage of zip code residents living and working in this county: 78.2%
Household type by relationship
Households: 5,028
- In family households: 4,232 (1,034 male householders, 271 female householders)
1,014 spouses, 1,589 children (1,456 natural, 44 adopted, 89 stepchildren), 49 grandchildren, 30 brothers or sisters, 37 parents, 58 other relatives, 150 non-relatives
- In nonfamily households: 796 (341 male householders (266 living alone)), 317 female householders (275 living alone)), 138 nonrelatives
- In group quarters: 41 (0 institutionalized population)
Size of family households: 537 2-persons, 276 3-persons, 245 4-persons, 176 5-persons, 57 6-persons, 14 7-or-more-persons.
Size of nonfamily households: 541 1-person, 105 2-persons, 12 3-persons.
808 married couples with children.
338 single-parent households (111 men, 227 women).
89.8% of residents of 12446 zip code speak English at home.
3.8% of residents speak Spanish at home (59% very well, 14% well, 27% not well).
6.2% of residents speak other Indo-European language at home (59% very well, 31% well, 11% not well).
0.3% of residents speak Asian or Pacific Island language at home (100% very well).
Foreign born population: 326 (6.6%)
(68.1% of them are naturalized citizens)
| This zip code: | 6.6% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- Ukraine (24%)
- Germany (22%)
- Romania (8%)
- Ecuador (7%)
- Canada (6%)
- Greece (6%)
- Guatemala (6%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 50
- 1990 to 1994: 23
- 1985 to 1989: 9
- 1980 to 1984: 14
- 1975 to 1979: 5
- 1970 to 1974: 6
- 1970 to 1974: 33
- 1965 to 1969: 186
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White population: 4,585
Black population: 116
American Indian population: 21
Asian population: 37
Native Hawaiian and Other Pacific Islander population: 2
Some other race population: 77
Two or more races population: 87
First ancestries reported:
|  German: 654 |
|  Other groups: 571 |
|  Irish: 513 |
|  Italian: 476 |
|  United States or American: 311 |
|  English: 240 |
|  Dutch: 227 |
|  Polish: 177 |
|  Ukrainian: 177 |
|  French (except Basque): 61 |
|  Greek: 58 |
|  European: 58 |
|  Scottish: 56 |
|  Norwegian: 39 |
|  Scotch-Irish: 36 |
|  Russian: 34 |
|  Austrian: 29 |
|  Swedish: 29 |
|  Latvian: 27 |
|  Lithuanian: 26 |
|  Danish: 18 |
|  French Canadian: 15 |
|  Hungarian: 14 |
|  Portuguese: 12 |
|  Czech: 11 |
|  Subsaharan African:: 11 |
|  African: 11 |
|  Czechoslovakian: 9 |
|  Romanian: 9 |
|  West Indian (excluding Hispanic groups):: 9 |
|  Jamaican: 9 |
|  British: 6 |
|  Arab:: 6 |
|  Syrian: 6 |
|  Yugoslavian: 6 |
facilities with environmental interests located in this zip code:
- HUDSON VALLEY RESORT (445 GRANITE RD in KERHONKSON, NY)
Large Quantity Generators, more that 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Median worth of mobile homes: $55,894
Housing units lacking complete plumbing facilities: 4%
Housing units lacking complete kitchen facilities: 4%
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (68%)
- Bottled, tank, or LP gas (14%)
- Electricity (8%)
- Wood (8%)
- Utility gas (2%)
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Place of birth for U.S.-born residents:
- This state: 3891
- Northeast: 326
- Midwest: 111
- South: 223
- West: 129
64% of the 12446 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 68% lived in this county.
Out of people who lived in different counties, 58% lived in New York.
Population in 1990: 4,220. Population change in the 1990s: +705 (+16.7%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 28
| Here: | 4.0% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 6
| Here: | 1.9% | | New York: | 13.2% |
Students in private undergraduate colleges: 22
| Here: | 15.2% | | New York: | 38.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (100-249 employees: 1 establishment)
- Health Care and Social Assistance: Residential Mental Health and Substance Abuse Facilities (50-99: 1)
- Real Estate and Rental and Leasing: Lessors of Residential Buildings and Dwellings (20-49: 1)
- Construction: Tile and Terrazzo Contractors (10-19: 1, 1-4: 2)
- Professional, Scientific, and Technical Services: Veterinary Services (10-19: 1, 1-4: 1)
- Accommodation and Food Services: Full-Service Restaurants (5-9: 1, 1-4: 4)
- Other Services (except Public Administration): Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (10-19: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
People in group quarters
- 22 people in homes or halfway houses for drug/alcohol abuse
- 19 people in other noninstitutional group quarters
- 10 people in homes for the mentally retarded
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $163,420 | 140 | $196,593 | 139 | $176,844 | 70 | $67,686 | 3 | $369,220 | 33 | $239,021 | 24 | $95,485 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $119,070 | 22 | $118,771 | 35 | $174,448 | 8 | $47,954 | 0 | $0 | 5 | $154,016 | 13 | $80,080 |
| APPLICATIONS DENIED | 2 | $184,810 | 51 | $127,196 | 176 | $161,340 | 54 | $66,488 | 0 | $0 | 13 | $136,636 | 33 | $67,151 |
| APPLICATIONS WITHDRAWN | 3 | $192,217 | 17 | $204,030 | 91 | $181,419 | 12 | $90,467 | 0 | $0 | 8 | $231,060 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $213,880 | 21 | $197,674 | 6 | $152,485 | 0 | $0 | 1 | $131,620 | 1 | $127,160 |
Aggregated Statistics For Year 2006 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 8 | $171,315 | 145 | $172,703 | 215 | $157,375 | 65 | $65,579 | 2 | $290,735 | 40 | $167,989 | 21 | $88,228 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $199,990 | 31 | $161,231 | 52 | $147,465 | 15 | $84,315 | 0 | $0 | 8 | $157,590 | 6 | $111,362 |
| APPLICATIONS DENIED | 1 | $110,980 | 47 | $147,542 | 173 | $172,671 | 71 | $60,129 | 1 | $260,100 | 14 | $85,216 | 29 | $79,361 |
| APPLICATIONS WITHDRAWN | 3 | $147,200 | 34 | $141,179 | 107 | $152,403 | 7 | $192,847 | 1 | $356,050 | 13 | $156,267 | 5 | $142,966 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 5 | $151,232 | 30 | $202,449 | 1 | $95,470 | 0 | $0 | 4 | $189,080 | 2 | $40,505 |
Aggregated Statistics For Year 2005 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 8 | $175,424 | 206 | $189,221 | 244 | $153,322 | 60 | $78,071 | 58 | $206,909 | 19 | $91,434 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 24 | $139,100 | 45 | $143,893 | 12 | $28,331 | 4 | $141,568 | 8 | $73,006 |
| APPLICATIONS DENIED | 2 | $138,720 | 39 | $128,404 | 180 | $144,485 | 77 | $56,976 | 13 | $144,862 | 32 | $69,044 |
| APPLICATIONS WITHDRAWN | 1 | $195,360 | 30 | $137,667 | 137 | $149,675 | 24 | $139,080 | 8 | $204,159 | 5 | $94,814 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 7 | $188,691 | 62 | $150,610 | 5 | $72,650 | 1 | $144,780 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 7 | $122,903 | 184 | $164,006 | 221 | $120,949 | 71 | $43,374 | 1 | $252,260 | 53 | $171,544 | 12 | $70,090 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $114,440 | 31 | $117,222 | 43 | $135,777 | 11 | $55,713 | 1 | $177,680 | 8 | $121,325 | 5 | $77,070 |
| APPLICATIONS DENIED | 1 | $140,390 | 53 | $129,208 | 150 | $124,584 | 59 | $41,209 | 2 | $212,830 | 6 | $120,223 | 16 | $34,891 |
| APPLICATIONS WITHDRAWN | 1 | $107,940 | 16 | $107,753 | 120 | $137,196 | 20 | $88,437 | 0 | $0 | 4 | $136,325 | 3 | $91,710 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $150,260 | 5 | $120,686 | 84 | $149,598 | 4 | $45,443 | 0 | $0 | 3 | $136,407 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
9530.00
, 9545.00, 9546.00, 9550.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 26 | $189,940 | 18 | $234,058 | 4 | $151,365 | 1 | $198,830 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $222,502 | 2 | $201,375 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 4 | $197,318 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $338,297 | 2 | $266,685 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 34 | $208,439 | 8 | $177,414 | 5 | $250,448 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 10 | $193,558 | 6 | $236,685 | 2 | $109,250 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 5 | $344,212 | 0 | $0 | 1 | $354,270 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 29 | $166,061 | 10 | $180,297 | 1 | $213,860 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 10 | $202,068 | 3 | $203,050 | 2 | $253,165 |
| APPLICATIONS DENIED | 5 | $164,066 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $164,923 | 2 | $175,490 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $115,600 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 44 | $146,683 | 6 | $132,122 | 8 | $165,066 | 1 | $156,060 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $144,918 | 4 | $117,563 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 6 | $100,002 | 0 | $0 | 1 | $144,500 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
9530.00
, 9545.00, 9546.00, 9550.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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