ZIP Code 12122 — Middleburgh, New York

The median home in 12122 is valued at $172,800 against a median household income of $54,308, a price-to-income ratio of 3.2. 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 Schoharie County, 12122 ranks 15 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 22.5% of median household income (median rent $1,019 a month), under the 30% cost-burden threshold.

12122 ranks 1,413 of 1,572 statewide on median household income and 1,065 of 1,572 on median home value; its income is below the $70,938 Schoharie County median. 79% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 20% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.5%, above the 9.9% statewide ZIP median. Unemployment stands at 1.4%.

With 35 residents per square mile across 102.1 square miles of land, 12122 is far less dense than the statewide ZIP median of 197 (rank 1,312 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.