ZIP Code 12187 — Warnerville, New York

The median home in 12187 is valued at $225,000 against a median household income of $75,875, a price-to-income ratio of 3.0. That is in line with 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 Schoharie County, 12187 ranks 13 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7.

12187 ranks 888 of 1,572 statewide on median household income and 806 of 1,572 on median home value; its income is above the $70,938 Schoharie County median. 94% of households own their home, above 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, and the poverty rate is 19.4%, far above the 9.9% statewide ZIP median. Unemployment stands at 12.1%.

With 38 residents per square mile across 19.5 square miles of land, 12187 is far less dense than the statewide ZIP median of 197 (rank 1,290 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.