ZIP Code 12041 — Clarksville, New York

The median home in 12041 is valued at $196,500 against a median household income of $117,557, a price-to-income ratio of 1.7. 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 Albany County, 12041 ranks 1 of 32 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.0. Renting takes 9.8% of median household income (median rent $956 a month), under the 30% cost-burden threshold.

12041 ranks 302 of 1,572 statewide on median household income and 938 of 1,572 on median home value; its income is above the $89,360 Albany County median. 82% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, Unemployment stands at 2.9%.

With 176 residents per square mile across 2 square miles of land, 12041 is less dense than the statewide ZIP median of 197 (rank 802 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.