ZIP Code 12164 — Speculator, New York

The median home in 12164 is valued at $185,200 against a median household income of $58,594, a price-to-income ratio of 3.2. That is above 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 Hamilton County, 12164 ranks 5 of 10 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 21.4% of median household income (median rent $1,045 a month), under the 30% cost-burden threshold.

12164 ranks 1,335 of 1,572 statewide on median household income and 996 of 1,572 on median home value; its income is below the $75,477 Hamilton County median. 76% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 31% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 17.1%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.0%.

With 4 residents per square mile across 116.8 square miles of land, 12164 is far less dense than the statewide ZIP median of 197 (rank 1,547 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.