ZIP Code 12502 — Ancram, New York

The median home in 12502 is valued at $332,800 against a median household income of $83,583, 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. Within Columbia County, 12502 ranks 15 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 16.0% of median household income (median rent $1,114 a month), under the 30% cost-burden threshold.

12502 ranks 707 of 1,572 statewide on median household income and 557 of 1,572 on median home value; its income is in line with the $84,396 Columbia County median. 96% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 42% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 6.1%, below the 9.9% statewide ZIP median. Unemployment stands at 10.2%.

With 32 residents per square mile across 32 square miles of land, 12502 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.