ZIP Code 12106 — Kinderhook, New York

The median home in 12106 is valued at $278,000 against a median household income of $80,735, a price-to-income ratio of 3.4. That is above 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 Columbia County, 12106 ranks 9 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 20.2% of median household income (median rent $1,359 a month), under the 30% cost-burden threshold.

12106 ranks 762 of 1,572 statewide on median household income and 662 of 1,572 on median home value; its income is in line with the $84,396 Columbia County median. 87% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 47% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 11.8%, above the 9.9% statewide ZIP median. Unemployment stands at 5.4%.

With 137 residents per square mile across 14.3 square miles of land, 12106 is less dense than the statewide ZIP median of 197 (rank 850 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.