ZIP Code 12074 — Galway, New York

The median home in 12074 is valued at $287,600 against a median household income of $91,901, a price-to-income ratio of 3.1. 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 Saratoga County, 12074 ranks 11 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.1. Renting takes 20.9% of median household income (median rent $1,600 a month), under the 30% cost-burden threshold.

12074 ranks 557 of 1,572 statewide on median household income and 644 of 1,572 on median home value; its income is in line with the $94,189 Saratoga County median. 91% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 13.2%, above the 9.9% statewide ZIP median. Unemployment stands at 2.5%.

With 83 residents per square mile across 34.3 square miles of land, 12074 is far less dense than the statewide ZIP median of 197 (rank 999 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.