ZIP Code 12525 — Gardiner, New York

The median home in 12525 is valued at $363,400 against a median household income of $103,417, a price-to-income ratio of 3.5. 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 Ulster County, 12525 ranks 19 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 17.4% of median household income (median rent $1,496 a month), under the 30% cost-burden threshold.

12525 ranks 422 of 1,572 statewide on median household income and 511 of 1,572 on median home value; its income is above the $84,141 Ulster County median. 66% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 33% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 6.0%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.6%.

With 72 residents per square mile across 23.6 square miles of land, 12525 is far less dense than the statewide ZIP median of 197 (rank 1,043 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.