ZIP Code 12528 — Highland, New York

The median home in 12528 is valued at $337,400 against a median household income of $89,096, 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 Ulster County, 12528 ranks 23 of 45 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.8. Renting takes 22.1% of median household income (median rent $1,642 a month), under the 30% cost-burden threshold.

12528 ranks 606 of 1,572 statewide on median household income and 550 of 1,572 on median home value; its income is above the $84,141 Ulster County median. 70% of households own their home, below 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 5.3%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 4.7%.

With 308 residents per square mile across 44.9 square miles of land, 12528 is far denser than the statewide ZIP median of 197 (rank 682 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.