Monticello, NY

ZIP code 12701 is assigned to Monticello, NY, and falls within Sullivan County. Like every US postal code, it began as a mail-routing device rather than a geographic boundary — the US Postal Service groups delivery routes under a single code so carriers and sorting equipment can process mail efficiently. Today it also serves as a practical shorthand for the area itself: roughly 12,191 people live inside it.

At 200 residents per square mile spread over 61.038 square miles, 12701 reads as a small-town area. It is a mid-sized postal code by population, and density shapes almost everything else on this page — how people get to work, whether they own or rent, and what housing costs.

Household earnings run below the national median. At $56,601, 12701 sits in the lower half, ahead of 26% of them. The US median for comparison is $70,109. Bear in mind that median income describes the midpoint household, not the average — it is not pulled upward by a handful of very high earners the way a mean would be.

Housing in 12701 costs close to the national median. A typical home is valued at $178,300 against a US median of $207,500, and median gross rent runs $989 a month. The split between owning and renting is fairly even at 41.7% owner-occupied, which tends to indicate a mix of housing types rather than one dominant form.

The building stock is dominated by detached single-family houses, which account for 57.6% of housing units here. The median construction year is 1974, making the housing here from the later twentieth century. The vacancy rate of 32.4% is high, which in many places reflects seasonal or second-home use rather than abandonment.

The population skews broadly in line with the national age profile, with a median age of 38 against 42 nationally. The average household holds 2.51 people, and 54.5% are family households.

Getting to work takes 22.9 minutes on average one way. The dominant mode is drove alone at 74.5% of workers.

Beyond addressing mail, 12701 does a lot of quiet administrative work. Retailers use it to calculate shipping and sales tax at checkout. Insurers use it to set premiums, since risk profiles vary geographically. Employers and marketers use it to define service areas. Government agencies use it to route benefits and organise reporting. If you have ever been asked for a postal code by a form that clearly does not intend to send you anything, this is why.

For anyone weighing a move, 12701 offers a compact profile of Monticello: 12,191 residents, a median household income of $56,601, 23.0% of adults holding a bachelor's degree or higher, and an unemployment rate of 6.4%. A handful of figures like these answer more relocation questions than most neighbourhood guides do.

One caution worth repeating: a postal code is not a neighbourhood. 12701 may cover parts of several distinct areas, and a single neighbourhood in Monticello may be split across more than one code. Boundaries also shift as USPS adjusts delivery routes. Treat the figures here as describing a delivery area, which is what they actually measure.