ZIP Code 12754 — Liberty, New York

The median home in 12754 is valued at $190,700 against a median household income of $56,597, 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 Sullivan County, 12754 ranks 19 of 37 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 19.2% of median household income (median rent $905 a month), under the 30% cost-burden threshold.

12754 ranks 1,371 of 1,572 statewide on median household income and 967 of 1,572 on median home value; its income is below the $73,919 Sullivan County median. 50% of households own their home, below the 80% statewide ZIP median, so most residents rent. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 11.8%, above the 9.9% statewide ZIP median. Unemployment stands at 9.8%.

With 301 residents per square mile across 28.3 square miles of land, 12754 is far denser than the statewide ZIP median of 197 (rank 688 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.