ZIP Code 12138 — Petersburg, New York

The median home in 12138 is valued at $181,800 against a median household income of $78,693, a price-to-income ratio of 2.3. 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 Rensselaer County, 12138 ranks 6 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 18.8% of median household income (median rent $1,234 a month), under the 30% cost-burden threshold.

12138 ranks 809 of 1,572 statewide on median household income and 1,014 of 1,572 on median home value; its income is below the $90,583 Rensselaer County median. 91% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 22% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 7.6%, below the 9.9% statewide ZIP median. Unemployment stands at 3.2%.

With 32 residents per square mile across 89.6 square miles of land, 12138 is far less dense than the statewide ZIP median of 197 (rank 1,343 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.