ZIP Code 12503 — Ancramdale, New York

The median home in 12503 is valued at $458,300 against a median household income of $104,375, 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 Columbia County, 12503 ranks 17 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 9.1% of median household income (median rent $793 a month), under the 30% cost-burden threshold.

12503 ranks 413 of 1,572 statewide on median household income and 406 of 1,572 on median home value; its income is above the $84,396 Columbia County median. 84% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 47% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 7.7%, below the 9.9% statewide ZIP median. Unemployment stands at 1.3%.

With 34 residents per square mile across 22.2 square miles of land, 12503 is far less dense than the statewide ZIP median of 197 (rank 1,328 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.