ZIP Code 12182 — Troy, New York

The median home in 12182 is valued at $195,300 against a median household income of $54,663, a price-to-income ratio of 3.6. That is 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. Within Rensselaer County, 12182 ranks 24 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 22.2% of median household income (median rent $1,012 a month), under the 30% cost-burden threshold.

12182 ranks 1,407 of 1,572 statewide on median household income and 947 of 1,572 on median home value; its income is below the $90,583 Rensselaer County median. 50% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 24.1%, far above the 9.9% statewide ZIP median. Unemployment stands at 8.7%.

With 1,042 residents per square mile across 13.7 square miles of land, 12182 is far denser than the statewide ZIP median of 197 (rank 500 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.