Best Places12463, NY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 12463, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
12463 ranks 24,167th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on tree cover by a wide margin, and an overheated housing market is the weak spot.
The best neighborhoods in 12463
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
12463's strengths and weaknesses
Where 12463 ranks high
- Tree shadeBetter than 98% of zip codes
- Heat safetyBetter than 92% of zip codes
- Air qualityBetter than 84% of zip codes
- Big-city accessBetter than 83% of zip codes
- School gradeB+, better than 80% of zip codes
Where 12463 ranks low
- Housing crash safetyBetter than only 1% of zip codes
- Short commute37.7 minutes each way, better than only 6% of zip codes
- Local economyBetter than only 8% of zip codes
- Cheap car insuranceBetter than only 13% of zip codes
- Low property taxBetter than only 13% of zip codes
What it costs to buy a home in 12463
A household needs to earn about $72,000 a year to comfortably buy the median 12463 home, at 20% down and today's 30-year rate. That is only a little above the area's median income of $70,224; the gap is small, which keeps homes within reach of local pay.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 12463's effective rate of 1.50%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 12463
12463 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 12463.
Who works in 12463, and how
Work in 12463 centers on construction and professional & technical. Unemployment runs well above the national rate, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 79%
- Work from home 11%
- Transit, walk, or bike 9%
Life in 12463
The map and measures below break down dining, culture, and green space by neighborhood across 12463.
What the weather is like in 12463, month by month
12463 sees roughly 99 pleasant days a year. July highs average about 85 degrees. January highs sit near 37, with lows near 21. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 37° | 28° | 21° |
| April | 61° | 48° | 38° |
| July | 85° | 73° | 62° |
| October | 65° | 53° | 44° |
Flying in and out of 12463
The nearest airport, Albany International, is about 41 miles away and is a small airport. The nearest major hub is Bradley International, about 70 miles away.
The best schools in and around 12463
Schools across 12463 average a B+, better than 80% of zip codes.
Top elementary schools
- Catskill Elementary SchoolA · 65% proficient
- Morse SchoolB+ · 53% proficient
- Hunter Elementary SchoolB · 48% proficient
Top middle schools
- Catskill Middle SchoolC · 33% proficient
Top high schools
- Saugerties Senior High SchoolA+ · 90% proficient
- Cairo-durham High SchoolA+ · 90% proficient
- Catskill Senior High SchoolA+ · 85% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 12463 school and its grade on SchoolGrade.
12463 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 12463 against the other 33,109 zip codes.
Common questions about living in 12463
Is 12463 a good place to live?
Using BestNeighborhood's default rankings, 12463 ranks 24,167th of 33,110 zip codes. It scores highest on tree cover, heat safety, and clean air, and lowest on an overheated housing market and long commutes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 12463 expensive to live in?
The median home is worth $252,320. The overall cost of living runs about 16% above the national average. Set against a $70,224 median income, cost of living beats 15% of zip codes.
Is 12463 safe?
12463 is safer than 47% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $327 per resident a year.
Compare 12463 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 12463. Scores are absolute rather than ranked, which means a 60 in 12463 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
12463 detail on BestNeighborhood maps:
- Walk Grade for 12463: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 12463: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 12463: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 12463: carrier by carrier coverage behind the cell score.
12463 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.