ZIP Code 12431 — Freehold, New York

The median home in 12431 is valued at $257,900 against a median household income of $88,750, a price-to-income ratio of 2.9. That is in line with 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 Greene County, 12431 ranks 10 of 31 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.2. Renting takes 11.8% of median household income (median rent $871 a month), under the 30% cost-burden threshold.

12431 ranks 610 of 1,572 statewide on median household income and 716 of 1,572 on median home value; its income is above the $83,409 Greene County median. 87% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 30% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 2.5%, far below the 9.9% statewide ZIP median and among the lowest in the state.

With 97 residents per square mile across 17.5 square miles of land, 12431 is far less dense than the statewide ZIP median of 197 (rank 939 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.