ZIP Code 12564 — Pawling, New York

The median home in 12564 is valued at $420,900 against a median household income of $111,683, 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 Dutchess County, 12564 ranks 18 of 29 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 14.1% of median household income (median rent $1,309 a month), under the 30% cost-burden threshold.

12564 ranks 350 of 1,572 statewide on median household income and 444 of 1,572 on median home value; its income is above the $97,367 Dutchess County median. 77% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 40% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 4.6%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.0%.

With 191 residents per square mile across 41.4 square miles of land, 12564 is in line with the statewide ZIP median of 197 (rank 788 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.