ZIP Code 12144 — Rensselaer, New York

The median home in 12144 is valued at $235,300 against a median household income of $88,357, a price-to-income ratio of 2.7. 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, 12144 ranks 17 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 18.7% of median household income (median rent $1,379 a month), under the 30% cost-burden threshold.

12144 ranks 624 of 1,572 statewide on median household income and 771 of 1,572 on median home value; its income is in line with the $90,583 Rensselaer County median. 59% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 38% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 11.8%, above the 9.9% statewide ZIP median. Unemployment stands at 4.0%.

With 1,182 residents per square mile across 18.3 square miles of land, 12144 is far denser than the statewide ZIP median of 197 (rank 484 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.