ZIP Code 12409 — Bearsville, New York

The median home in 12409 is valued at $662,300 against a median household income of $114,758, a price-to-income ratio of 5.8. 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, 12409 ranks 40 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 16.6% of median household income (median rent $1,583 a month), under the 30% cost-burden threshold.

12409 ranks 327 of 1,572 statewide on median household income and 230 of 1,572 on median home value; its income is above the $84,141 Ulster County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 67% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 6.8%, below the 9.9% statewide ZIP median. Unemployment stands at 9.7%.

With 50 residents per square mile across 17.7 square miles of land, 12409 is far less dense than the statewide ZIP median of 197 (rank 1,184 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.