ZIP Code 12093 — Jefferson, New York

The median home in 12093 is valued at $162,000 against a median household income of $61,250, 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 Schoharie County, 12093 ranks 7 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 17.3% of median household income (median rent $883 a month), under the 30% cost-burden threshold.

12093 ranks 1,273 of 1,572 statewide on median household income and 1,136 of 1,572 on median home value; its income is below the $70,938 Schoharie County median. 90% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 27% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 12.7%, above the 9.9% statewide ZIP median. Unemployment stands at 10.1%.

With 19 residents per square mile across 65.3 square miles of land, 12093 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.