ZIP Code 12180 — Troy, New York

The median home in 12180 is valued at $233,000 against a median household income of $73,767, 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 Rensselaer County, 12180 ranks 21 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 19.3% of median household income (median rent $1,188 a month), under the 30% cost-burden threshold.

12180 ranks 941 of 1,572 statewide on median household income and 782 of 1,572 on median home value; its income is below the $90,583 Rensselaer County median. 48% of households own their home, below the 80% statewide ZIP median, so most residents rent. 40% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 16.9%, far above the 9.9% statewide ZIP median. Unemployment stands at 7.6%.

With 962 residents per square mile across 56.2 square miles of land, 12180 is far denser than the statewide ZIP median of 197 (rank 513 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.