ZIP Code 12028 — Buskirk, New York

The median home in 12028 is valued at $217,600 against a median household income of $87,266, a price-to-income ratio of 2.5. 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 Rensselaer County, 12028 ranks 10 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 12.2% of median household income (median rent $888 a month), under the 30% cost-burden threshold.

12028 ranks 639 of 1,572 statewide on median household income and 846 of 1,572 on median home value; its income is in line with the $90,583 Rensselaer County median. 87% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 18.2%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.9%.

With 48 residents per square mile across 23.7 square miles of land, 12028 is far less dense than the statewide ZIP median of 197 (rank 1,199 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.