ZIP Code 12198 — Wynantskill, New York

The median home in 12198 is valued at $282,200 against a median household income of $113,042, a price-to-income ratio of 2.5. 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 Rensselaer County, 12198 ranks 11 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.6. Renting takes 12.6% of median household income (median rent $1,184 a month), under the 30% cost-burden threshold.

12198 ranks 339 of 1,572 statewide on median household income and 654 of 1,572 on median home value; its income is above the $90,583 Rensselaer County median. 75% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 42% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 4.7%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 2.6%.

With 556 residents per square mile across 13.2 square miles of land, 12198 is far denser than the statewide ZIP median of 197 (rank 584 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.