ZIP Code 12197 — Worcester, New York

The median home in 12197 is valued at $163,300 against a median household income of $78,750, a price-to-income ratio of 2.1. That is below 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 Otsego County, 12197 ranks 7 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 11.9% of median household income (median rent $783 a month), under the 30% cost-burden threshold.

12197 ranks 805 of 1,572 statewide on median household income and 1,130 of 1,572 on median home value; its income is above the $69,792 Otsego County median. 95% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 28% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 18.3%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.3%.

With 35 residents per square mile across 65.2 square miles of land, 12197 is far less dense than the statewide ZIP median of 197 (rank 1,312 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.