ZIP Code 12565 — Philmont, New York

The median home in 12565 is valued at $215,700 against a median household income of $62,972, 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 Columbia County, 12565 ranks 7 of 22 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.6. Renting takes 19.7% of median household income (median rent $1,036 a month), under the 30% cost-burden threshold.

12565 ranks 1,220 of 1,572 statewide on median household income and 855 of 1,572 on median home value; its income is below the $84,396 Columbia County median. 59% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 27% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.9%, below the 9.9% statewide ZIP median. Unemployment stands at 8.9%.

With 1,125 residents per square mile across 1.4 square miles of land, 12565 is far denser than the statewide ZIP median of 197 (rank 491 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.