ZIP Code 12169 — Stephentown, New York

The median home in 12169 is valued at $184,200 against a median household income of $39,921, a price-to-income ratio of 4.6. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Rensselaer County, 12169 ranks 25 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6.

12169 ranks 1,531 of 1,572 statewide on median household income and 1,002 of 1,572 on median home value; its income is far below the $90,583 Rensselaer County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median,

With 35 residents per square mile across 11.6 square miles of land, 12169 is far less dense than the statewide ZIP median of 197 (rank 1,312 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.