ZIP Code 12076 — Gilboa, New York

The median home in 12076 is valued at $218,200 against a median household income of $73,056, a price-to-income ratio of 3.0. That is in line with 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, 12076 ranks 14 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 16.1% of median household income (median rent $983 a month), under the 30% cost-burden threshold.

12076 ranks 960 of 1,572 statewide on median household income and 842 of 1,572 on median home value; its income is in line with the $70,938 Schoharie County median. 94% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.9%, below the 9.9% statewide ZIP median. Unemployment stands at 7.1%.

With 19 residents per square mile across 68.8 square miles of land, 12076 is far less dense than the statewide ZIP median of 197 (rank 1,462 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.