ZIP Code 12531 — Holmes, New York

The median home in 12531 is valued at $434,500 against a median household income of $126,319, a price-to-income ratio of 3.4. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Dutchess County, 12531 ranks 11 of 29 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6.

12531 ranks 235 of 1,572 statewide on median household income and 432 of 1,572 on median home value; its income is above the $97,367 Dutchess County median. 83% 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 1.6%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 11.3%.

With 133 residents per square mile across 17.4 square miles of land, 12531 is less dense than the statewide ZIP median of 197 (rank 857 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.