ZIP Code 12185 — Valley Falls, New York

The median home in 12185 is valued at $208,700 against a median household income of $111,691, a price-to-income ratio of 1.9. 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, 12185 ranks 1 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 9.9% of median household income (median rent $925 a month), under the 30% cost-burden threshold.

12185 ranks 349 of 1,572 statewide on median household income and 885 of 1,572 on median home value; its income is above the $90,583 Rensselaer County median. 79% 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 5.2%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 1.8%.

With 75 residents per square mile across 22.8 square miles of land, 12185 is far less dense than the statewide ZIP median of 197 (rank 1,032 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.