ZIP Code 12078 — Gloversville, New York

The median home in 12078 is valued at $122,400 against a median household income of $54,565, a price-to-income ratio of 2.2. 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 Fulton County, 12078 ranks 1 of 7 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.8. Renting takes 20.0% of median household income (median rent $908 a month), under the 30% cost-burden threshold.

12078 ranks 1,409 of 1,572 statewide on median household income and 1,366 of 1,572 on median home value; its income is below the $66,685 Fulton County median. 61% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 19.7%, far above the 9.9% statewide ZIP median. Unemployment stands at 5.0%.

With 208 residents per square mile across 110.8 square miles of land, 12078 is denser than the statewide ZIP median of 197 (rank 764 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.