ZIP Code 12193 — Westerlo, New York

The median home in 12193 is valued at $266,000 against a median household income of $76,438, a price-to-income ratio of 3.5. 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, 12193 ranks 24 of 32 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.0.

12193 ranks 873 of 1,572 statewide on median household income and 689 of 1,572 on median home value; its income is below the $89,360 Albany County median. 90% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 32% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 10.6%, above the 9.9% statewide ZIP median. Unemployment stands at 6.0%.

With 48 residents per square mile across 37.9 square miles of land, 12193 is far less dense than the statewide ZIP median of 197 (rank 1,199 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.