ZIP Code 12066 — Esperance, New York

The median home in 12066 is valued at $174,600 against a median household income of $71,250, a price-to-income ratio of 2.5. 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 Montgomery County, 12066 ranks 9 of 11 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 16.9% of median household income (median rent $1,004 a month), under the 30% cost-burden threshold.

12066 ranks 1,005 of 1,572 statewide on median household income and 1,056 of 1,572 on median home value; its income is in line with the $73,050 Montgomery County median. 86% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 5.8%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 8.8%.

With 56 residents per square mile across 32.7 square miles of land, 12066 is far less dense than the statewide ZIP median of 197 (rank 1,128 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.