ZIP Code 12464 — Phoenicia, New York

The median home in 12464 is valued at $368,400 against a median household income of $75,291, a price-to-income ratio of 4.9. That is far 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, though it is among the more attainable ratios in the state. Within Ulster County, 12464 ranks 36 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 15.2% of median household income (median rent $955 a month), under the 30% cost-burden threshold.

12464 ranks 904 of 1,572 statewide on median household income and 505 of 1,572 on median home value; its income is below the $84,141 Ulster County median. 70% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 46% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 28.5%, far above the 9.9% statewide ZIP median and among the highest in the state. Unemployment stands at 2.2%.

With 24 residents per square mile across 45.3 square miles of land, 12464 is far less dense than the statewide ZIP median of 197 (rank 1,430 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.