ZIP Code 12732 — Eldred, New York

The median home in 12732 is valued at $241,000 against a median household income of $50,375, a price-to-income ratio of 4.8. That is far 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, though it is among the more attainable ratios in the state. Within Sullivan County, 12732 ranks 30 of 37 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 24.9% of median household income (median rent $1,045 a month), under the 30% cost-burden threshold.

12732 ranks 1,463 of 1,572 statewide on median household income and 752 of 1,572 on median home value; its income is below the $73,919 Sullivan County median. 95% 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 5.8%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 11.3%.

With 30 residents per square mile across 26.6 square miles of land, 12732 is far less dense than the statewide ZIP median of 197 (rank 1,365 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.