ZIP Code 12032 — Caroga Lake, New York

The median home in 12032 is valued at $163,800 against a median household income of $54,375, a price-to-income ratio of 3.0. That is in line with 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 Fulton County, 12032 ranks 6 of 7 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.8.

12032 ranks 1,412 of 1,572 statewide on median household income and 1,127 of 1,572 on median home value; its income is below the $66,685 Fulton County median. 91% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 7.9%, below the 9.9% statewide ZIP median. Unemployment stands at 2.3%.

With 8 residents per square mile across 93.6 square miles of land, 12032 is far less dense than the statewide ZIP median of 197 (rank 1,528 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.