ZIP Code 12084 — Guilderland, New York

The median home in 12084 is valued at $325,800 against a median household income of $86,968, a price-to-income ratio of 3.7. That is 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. Within Albany County, 12084 ranks 28 of 32 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.0. Renting takes 21.9% of median household income (median rent $1,589 a month), under the 30% cost-burden threshold.

12084 ranks 644 of 1,572 statewide on median household income and 571 of 1,572 on median home value; its income is in line with the $89,360 Albany County median. 24% of households own their home, far below the 80% statewide ZIP median, so most residents rent. 60% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 9.4%, below the 9.9% statewide ZIP median. Unemployment stands at 4.7%.

With 1,330 residents per square mile across 3.8 square miles of land, 12084 is far denser than the statewide ZIP median of 197 (rank 469 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.