ZIP Code 12110 — Latham, New York

The median home in 12110 is valued at $306,100 against a median household income of $101,839, a price-to-income ratio of 3.0. 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 Albany County, 12110 ranks 16 of 32 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.0. Renting takes 16.9% of median household income (median rent $1,431 a month), under the 30% cost-burden threshold.

12110 ranks 439 of 1,572 statewide on median household income and 607 of 1,572 on median home value; its income is above the $89,360 Albany County median. 65% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 46% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 7.7%, below the 9.9% statewide ZIP median. Unemployment stands at 4.1%.

With 1,396 residents per square mile across 14.3 square miles of land, 12110 is far denser than the statewide ZIP median of 197 (rank 455 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.