ZIP Code 12157 — Schoharie, New York

The median home in 12157 is valued at $218,400 against a median household income of $77,364, a price-to-income ratio of 2.8. That is in line with 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, 12157 ranks 10 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 14.5% of median household income (median rent $934 a month), under the 30% cost-burden threshold.

12157 ranks 849 of 1,572 statewide on median household income and 841 of 1,572 on median home value; its income is above the $70,938 Schoharie County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 7.4%, below the 9.9% statewide ZIP median. Unemployment stands at 5.5%.

With 89 residents per square mile across 50.2 square miles of land, 12157 is far less dense than the statewide ZIP median of 197 (rank 974 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.