ZIP Code 12092 — Howes Cave, New York

The median home in 12092 is valued at $204,200 against a median household income of $70,938, a price-to-income ratio of 2.9. 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, 12092 ranks 12 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 17.0% of median household income (median rent $1,007 a month), under the 30% cost-burden threshold.

12092 ranks 1,015 of 1,572 statewide on median household income and 907 of 1,572 on median home value; its income is in line with the $70,938 Schoharie County median. 70% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 13.4%, above the 9.9% statewide ZIP median. Unemployment stands at 2.9%.

With 92 residents per square mile across 15.5 square miles of land, 12092 is far less dense than the statewide ZIP median of 197 (rank 963 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.