ZIP Code 12036 — Charlotteville, New York

The median home in 12036 is valued at $140,600 against a median household income of $41,667, a price-to-income ratio of 3.4. That is above 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 Schoharie County, 12036 ranks 16 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7.

12036 ranks 1,524 of 1,572 statewide on median household income and 1,275 of 1,572 on median home value; its income is below the $70,938 Schoharie County median. 93% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 9.6%, in line with the 9.9% statewide ZIP median. Unemployment stands at 14.7%.

With 48 residents per square mile across 7 square miles of land, 12036 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.