ZIP Code 12734 — Ferndale, New York

The median home in 12734 is valued at $241,700 against a median household income of $37,234, a price-to-income ratio of 6.5. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Sullivan County, 12734 ranks 34 of 37 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 20.5% of median household income (median rent $635 a month), under the 30% cost-burden threshold.

12734 ranks 1,544 of 1,572 statewide on median household income and 751 of 1,572 on median home value; its income is below the $73,919 Sullivan County median. 63% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 31% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 18.0%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.2%.

With 40 residents per square mile across 14.1 square miles of land, 12734 is far less dense than the statewide ZIP median of 197 (rank 1,267 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.