ZIP Code 12154 — Schaghticoke, New York

The median home in 12154 is valued at $253,200 against a median household income of $110,387, 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, 12154 ranks 5 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 9.4% of median household income (median rent $862 a month), under the 30% cost-burden threshold.

12154 ranks 361 of 1,572 statewide on median household income and 729 of 1,572 on median home value; its income is above the $90,583 Rensselaer County median. 89% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 28% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.9%, below the 9.9% statewide ZIP median. Unemployment stands at 4.3%.

With 67 residents per square mile across 42.7 square miles of land, 12154 is far less dense than the statewide ZIP median of 197 (rank 1,065 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.