ZIP Code 12170 — Stillwater, New York

The median home in 12170 is valued at $252,500 against a median household income of $100,469, 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 Saratoga County, 12170 ranks 2 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.1. Renting takes 14.9% of median household income (median rent $1,246 a month), under the 30% cost-burden threshold.

12170 ranks 455 of 1,572 statewide on median household income and 731 of 1,572 on median home value; its income is above the $94,189 Saratoga County median. 78% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 24% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.4%, above the 9.9% statewide ZIP median. Unemployment stands at 5.2%.

With 165 residents per square mile across 31.6 square miles of land, 12170 is less dense than the statewide ZIP median of 197 (rank 818 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.