ZIP Code 12070 — Fort Johnson, New York

The median home in 12070 is valued at $163,900 against a median household income of $78,884, a price-to-income ratio of 2.1. 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, 12070 ranks 4 of 11 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 12.8% of median household income (median rent $840 a month), under the 30% cost-burden threshold.

12070 ranks 802 of 1,572 statewide on median household income and 1,126 of 1,572 on median home value; its income is above the $73,050 Montgomery County median. 70% of households own their home, below 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 14.4%, above the 9.9% statewide ZIP median. Unemployment stands at 4.1%.

With 191 residents per square mile across 12.6 square miles of land, 12070 is in line with the statewide ZIP median of 197 (rank 788 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.