ZIP Code 12546 — Millerton, New York

The median home in 12546 is valued at $317,200 against a median household income of $88,603, a price-to-income ratio of 3.6. 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 Dutchess County, 12546 ranks 14 of 29 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 17.3% of median household income (median rent $1,277 a month), under the 30% cost-burden threshold.

12546 ranks 615 of 1,572 statewide on median household income and 591 of 1,572 on median home value; its income is below the $97,367 Dutchess County median. 82% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 35% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 11.4%, above the 9.9% statewide ZIP median. Unemployment stands at 2.4%.

With 60 residents per square mile across 45.4 square miles of land, 12546 is far less dense than the statewide ZIP median of 197 (rank 1,102 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.