ZIP Code 12165 — Spencertown, New York

The median home in 12165 is valued at $384,100 against a median household income of $53,500, a price-to-income ratio of 7.2. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Columbia County, 12165 ranks 22 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6.

12165 ranks 1,428 of 1,572 statewide on median household income and 488 of 1,572 on median home value; its income is below the $84,396 Columbia County median. 94% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 69% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 13.4%, above the 9.9% statewide ZIP median. Unemployment stands at 4.9%.

With 119 residents per square mile across 1.7 square miles of land, 12165 is less dense than the statewide ZIP median of 197 (rank 886 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.