ZIP Code 12130 — Niverville, New York

The median home in 12130 is valued at $218,500 against a median household income of $101,339, a price-to-income ratio of 2.2. 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 Columbia County, 12130 ranks 2 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6.

12130 ranks 445 of 1,572 statewide on median household income and 839 of 1,572 on median home value; its income is above the $84,396 Columbia County median. 87% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 49% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.0%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 5.2%.

With 610 residents per square mile across 0.5 square miles of land, 12130 is far denser than the statewide ZIP median of 197 (rank 572 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.