ZIP Code 12190 — Wells, New York

The median home in 12190 is valued at $253,400 against a median household income of $55,568, a price-to-income ratio of 4.6. That is far 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, though it is among the more attainable ratios in the state. Within Hamilton County, 12190 ranks 10 of 10 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 16.5% of median household income (median rent $763 a month), under the 30% cost-burden threshold.

12190 ranks 1,396 of 1,572 statewide on median household income and 728 of 1,572 on median home value; its income is below the $75,477 Hamilton County median. 84% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 16% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 4.2%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 10.6%.

With 4 residents per square mile across 176.8 square miles of land, 12190 is far less dense than the statewide ZIP median of 197 (rank 1,547 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.