ZIP Code 12404 — Accord, New York

The median home in 12404 is valued at $367,300 against a median household income of $67,297, a price-to-income ratio of 5.5. 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, though it is among the more attainable ratios in the state. Within Ulster County, 12404 ranks 39 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 20.2% of median household income (median rent $1,132 a month), under the 30% cost-burden threshold.

12404 ranks 1,113 of 1,572 statewide on median household income and 508 of 1,572 on median home value; its income is below the $84,141 Ulster County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 48% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 16.9%, far above the 9.9% statewide ZIP median. Unemployment stands at 6.1%.

With 109 residents per square mile across 37 square miles of land, 12404 is less dense than the statewide ZIP median of 197 (rank 910 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.