ZIP Code 12521 — Craryville, New York

The median home in 12521 is valued at $327,800 against a median household income of $85,208, a price-to-income ratio of 3.8. 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, 12521 ranks 14 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 22.1% of median household income (median rent $1,571 a month), under the 30% cost-burden threshold.

12521 ranks 674 of 1,572 statewide on median household income and 568 of 1,572 on median home value; its income is in line with the $84,396 Columbia County median. 92% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 39% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 8.7%, below the 9.9% statewide ZIP median. Unemployment stands at 3.2%.

With 58 residents per square mile across 32.2 square miles of land, 12521 is far less dense than the statewide ZIP median of 197 (rank 1,119 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.