ZIP Code 12194 — West Fulton, New York

The median home in 12194 is valued at $232,000 against a median household income of $81,250, a price-to-income ratio of 2.9. 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, 12194 ranks 11 of 17 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7.

12194 ranks 749 of 1,572 statewide on median household income and 786 of 1,572 on median home value; its income is above the $70,938 Schoharie County median. 89% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.8%, above the 9.9% statewide ZIP median. Unemployment stands at 1.4%.

With 13 residents per square mile across 16.5 square miles of land, 12194 is far less dense than the statewide ZIP median of 197 (rank 1,510 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.