ZIP Code 12475 — Ruby, New York

The median home in 12475 is valued at $350,000 against a median household income of $79,402, a price-to-income ratio of 4.4. 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, 12475 ranks 31 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8.

12475 ranks 793 of 1,572 statewide on median household income and 528 of 1,572 on median home value; its income is below the $84,141 Ulster County median. 64% of households own their home, below 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 4.7%, far below the 9.9% statewide ZIP median and among the lowest in the state.

With 474 residents per square mile across 1.2 square miles of land, 12475 is far denser than the statewide ZIP median of 197 (rank 613 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.