ZIP Code 12189 — Watervliet, New York

The median home in 12189 is valued at $199,600 against a median household income of $62,763, 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 Albany County, 12189 ranks 20 of 32 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.0. Renting takes 20.7% of median household income (median rent $1,084 a month), under the 30% cost-burden threshold.

12189 ranks 1,228 of 1,572 statewide on median household income and 923 of 1,572 on median home value; its income is below the $89,360 Albany County median. 41% of households own their home, below the 80% statewide ZIP median, so most residents rent. 27% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 15.3%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.5%.

With 2,936 residents per square mile across 6.2 square miles of land, 12189 is far denser than the statewide ZIP median of 197 (rank 347 of 1,572). This is predominantly single-family residential with suburban street patterns.