ZIP Code 12401 — Kingston, New York

The median home in 12401 is valued at $285,700 against a median household income of $67,426, a price-to-income ratio of 4.2. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Ulster County, 12401 ranks 29 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 23.1% of median household income (median rent $1,300 a month), under the 30% cost-burden threshold.

12401 ranks 1,107 of 1,572 statewide on median household income and 649 of 1,572 on median home value; its income is below the $84,141 Ulster County median. 57% of households own their home, below 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 17.2%, far above the 9.9% statewide ZIP median. Unemployment stands at 6.7%.

With 595 residents per square mile across 58.9 square miles of land, 12401 is far denser than the statewide ZIP median of 197 (rank 575 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.