ZIP Code 12432 — Glasco, New York

The median home in 12432 is valued at $324,400 against a median household income of $45,591, a price-to-income ratio of 7.1. 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 Ulster County, 12432 ranks 42 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 53.5% of median household income (median rent $2,033 a month), which is severely cost-burdened by the federal definition.

12432 ranks 1,504 of 1,572 statewide on median household income and 577 of 1,572 on median home value; its income is below the $84,141 Ulster County median. 32% of households own their home, far below the 80% statewide ZIP median, so most residents rent. 14% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 37.9%, far above the 9.9% statewide ZIP median and among the highest in the state.

With 1,308 residents per square mile across 0.5 square miles of land, 12432 is far denser than the statewide ZIP median of 197 (rank 473 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.