ZIP Code 12075 — Ghent, New York

The median home in 12075 is valued at $384,700 against a median household income of $83,443, a price-to-income ratio of 4.6. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Columbia County, 12075 ranks 18 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 19.8% of median household income (median rent $1,375 a month), under the 30% cost-burden threshold.

12075 ranks 710 of 1,572 statewide on median household income and 485 of 1,572 on median home value; its income is in line with the $84,396 Columbia County median. 82% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 37% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 12.0%, above the 9.9% statewide ZIP median. Unemployment stands at 4.8%.

With 87 residents per square mile across 36.3 square miles of land, 12075 is far less dense than the statewide ZIP median of 197 (rank 982 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.