ZIP Code 12046 — Coeymans Hollow, New York

The median home in 12046 is valued at $270,100 against a median household income of $79,833, 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 Albany County, 12046 ranks 23 of 32 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.0. Renting takes 17.6% of median household income (median rent $1,170 a month), under the 30% cost-burden threshold.

12046 ranks 784 of 1,572 statewide on median household income and 682 of 1,572 on median home value; its income is below 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. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.5%, below the 9.9% statewide ZIP median.

With 41 residents per square mile across 14.8 square miles of land, 12046 is far less dense than the statewide ZIP median of 197 (rank 1,258 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.