ZIP Code 12458 — Napanoch, New York

The median home in 12458 is valued at $206,300 against a median household income of $65,547, a price-to-income ratio of 3.1. That is above 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 Ulster County, 12458 ranks 15 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 30.9% of median household income (median rent $1,688 a month), above the 30% cost-burden threshold.

12458 ranks 1,149 of 1,572 statewide on median household income and 900 of 1,572 on median home value; its income is below the $84,141 Ulster County median. 84% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 9% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 8.0%, below the 9.9% statewide ZIP median. Unemployment stands at 4.3%.

With 81 residents per square mile across 39.5 square miles of land, 12458 is far less dense than the statewide ZIP median of 197 (rank 1,009 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.