ZIP Code 12207 — Albany, New York

The median home in 12207 is valued at $242,500 against a median household income of $32,418, a price-to-income ratio of 7.5. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Albany County, 12207 ranks 32 of 32 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.0. Renting takes 25.5% of median household income (median rent $689 a month), under the 30% cost-burden threshold.

12207 ranks 1,562 of 1,572 statewide on median household income and 747 of 1,572 on median home value; its income is far below the $89,360 Albany County median. 1% of households own their home, far below the 80% statewide ZIP median, so most residents rent. 36% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 43.5%, far above the 9.9% statewide ZIP median and among the highest in the state. Unemployment stands at 2.9%.

With 2,097 residents per square mile across 1 square miles of land, 12207 is far denser than the statewide ZIP median of 197 (rank 404 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.