ZIP Code 12549 — Montgomery, New York

The median home in 12549 is valued at $377,300 against a median household income of $125,000, a price-to-income ratio of 3.0. That is in line with 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 Orange County, 12549 ranks 11 of 38 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 15.4% of median household income (median rent $1,606 a month), under the 30% cost-burden threshold.

12549 ranks 241 of 1,572 statewide on median household income and 494 of 1,572 on median home value; its income is above the $105,400 Orange County median. 80% 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 6.3%, below the 9.9% statewide ZIP median. Unemployment stands at 2.7%.

With 282 residents per square mile across 38.7 square miles of land, 12549 is denser than the statewide ZIP median of 197 (rank 701 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.