ZIP Code 12010 — Amsterdam, New York

The median home in 12010 is valued at $161,500 against a median household income of $60,013, a price-to-income ratio of 2.7. That is below the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Montgomery County, 12010 ranks 11 of 11 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 19.0% of median household income (median rent $952 a month), under the 30% cost-burden threshold.

12010 ranks 1,301 of 1,572 statewide on median household income and 1,143 of 1,572 on median home value; its income is below the $73,050 Montgomery County median. 64% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 16.3%, far above the 9.9% statewide ZIP median. Unemployment stands at 6.1%.

With 213 residents per square mile across 128.3 square miles of land, 12010 is denser than the statewide ZIP median of 197 (rank 757 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.