ZIP Code 12071 — Fultonham, New York

The median home in 12071 is valued at $189,500 against a median household income of $69,013, a price-to-income ratio of 2.7. 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 Schoharie County, 12071 ranks 9 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 12.5% of median household income (median rent $719 a month), under the 30% cost-burden threshold.

12071 ranks 1,064 of 1,572 statewide on median household income and 977 of 1,572 on median home value; its income is in line with the $70,938 Schoharie County median. 77% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 40% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 5.4%, below the 9.9% statewide ZIP median and among the lowest in the state.

With 16 residents per square mile across 13.8 square miles of land, 12071 is far less dense than the statewide ZIP median of 197 (rank 1,490 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.