ZIP Code 12440 — High Falls, New York

The median home in 12440 is valued at $389,000 against a median household income of $102,958, a price-to-income ratio of 3.8. 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. Within Ulster County, 12440 ranks 22 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 12.5% of median household income (median rent $1,071 a month), under the 30% cost-burden threshold.

12440 ranks 425 of 1,572 statewide on median household income and 477 of 1,572 on median home value; its income is above the $84,141 Ulster County median. 84% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 58% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 11.8%, above the 9.9% statewide ZIP median. Unemployment stands at 5.2%.

With 79 residents per square mile across 20 square miles of land, 12440 is far less dense than the statewide ZIP median of 197 (rank 1,017 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.