ZIP Code 12168 — Stephentown, New York

The median home in 12168 is valued at $216,000 against a median household income of $86,028, a price-to-income ratio of 2.5. 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, 12168 ranks 12 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6.

12168 ranks 663 of 1,572 statewide on median household income and 853 of 1,572 on median home value; its income is below the $90,583 Rensselaer County median. 83% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 33% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 0.6%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 25.4%.

With 55 residents per square mile across 30.8 square miles of land, 12168 is far less dense than the statewide ZIP median of 197 (rank 1,138 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.