ZIP Code 12740 — Grahamsville, New York

The median home in 12740 is valued at $279,000 against a median household income of $91,630, a price-to-income ratio of 3.0. 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 Sullivan County, 12740 ranks 15 of 37 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 13.5% of median household income (median rent $1,031 a month), under the 30% cost-burden threshold.

12740 ranks 562 of 1,572 statewide on median household income and 659 of 1,572 on median home value; its income is above the $73,919 Sullivan County median. 77% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 37% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 6.4%, below the 9.9% statewide ZIP median. Unemployment stands at 6.4%.

With 23 residents per square mile across 72 square miles of land, 12740 is far less dense than the statewide ZIP median of 197 (rank 1,438 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.