ZIP Code 12086 — Hagaman, New York

The median home in 12086 is valued at $208,200 against a median household income of $81,556, a price-to-income ratio of 2.6. 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 Montgomery County, 12086 ranks 10 of 11 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 13.1% of median household income (median rent $890 a month), under the 30% cost-burden threshold.

12086 ranks 745 of 1,572 statewide on median household income and 887 of 1,572 on median home value; its income is above the $73,050 Montgomery County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 24% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 4.0%, far below the 9.9% statewide ZIP median and among the lowest in the state.

With 270 residents per square mile across 6.1 square miles of land, 12086 is denser than the statewide ZIP median of 197 (rank 713 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.