ZIP Code 12489 — Wawarsing, New York

The median home in 12489 is valued at $245,200 against a median household income of $26,100, a price-to-income ratio of 9.4. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Ulster County, 12489 ranks 44 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8.

12489 ranks 1,569 of 1,572 statewide on median household income and 742 of 1,572 on median home value; its income is far below the $84,141 Ulster County median. 65% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 21.9%, far above the 9.9% statewide ZIP median.

With 32 residents per square mile across 3.6 square miles of land, 12489 is far less dense than the statewide ZIP median of 197 (rank 1,343 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.