ZIP Code 12563 — Patterson, New York

The median home in 12563 is valued at $358,200 against a median household income of $102,472, 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 near the 3.0 ratio that marks an attainable market nationally. Within Putnam County, 12563 ranks 3 of 8 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.5. Renting takes 21.9% of median household income (median rent $1,868 a month), under the 30% cost-burden threshold.

12563 ranks 431 of 1,572 statewide on median household income and 516 of 1,572 on median home value; its income is below the $125,961 Putnam County median. 84% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 21.2%, far above the 9.9% statewide ZIP median. Unemployment stands at 5.9%.

With 317 residents per square mile across 23.5 square miles of land, 12563 is far denser than the statewide ZIP median of 197 (rank 680 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.