ZIP Code 12043 — Cobleskill, New York

The median home in 12043 is valued at $171,900 against a median household income of $73,006, a price-to-income ratio of 2.4. 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 Schoharie County, 12043 ranks 3 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 14.0% of median household income (median rent $853 a month), under the 30% cost-burden threshold.

12043 ranks 962 of 1,572 statewide on median household income and 1,071 of 1,572 on median home value; its income is in line with the $70,938 Schoharie County median. 65% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 28% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 13.5%, above the 9.9% statewide ZIP median. Unemployment stands at 5.3%.

With 124 residents per square mile across 63.6 square miles of land, 12043 is less dense than the statewide ZIP median of 197 (rank 877 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.