ZIP Code 12477 — Saugerties, New York

The median home in 12477 is valued at $292,100 against a median household income of $72,353, a price-to-income ratio of 4.0. 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, though it is among the more attainable ratios in the state. Within Ulster County, 12477 ranks 26 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 20.5% of median household income (median rent $1,239 a month), under the 30% cost-burden threshold.

12477 ranks 977 of 1,572 statewide on median household income and 636 of 1,572 on median home value; its income is below the $84,141 Ulster County median. 67% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 34% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 7.9%, below the 9.9% statewide ZIP median. Unemployment stands at 3.1%.

With 282 residents per square mile across 66.7 square miles of land, 12477 is denser than the statewide ZIP median of 197 (rank 701 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.