ZIP Code 12778 — Smallwood, New York

The median home in 12778 is valued at $179,500 against a median household income of $66,406, a price-to-income ratio of 2.7. That is below 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, 12778 ranks 11 of 37 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4.

12778 ranks 1,134 of 1,572 statewide on median household income and 1,028 of 1,572 on median home value; its income is below the $73,919 Sullivan County median. 81% of households own their home, in line with 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 37.1%, far above the 9.9% statewide ZIP median and among the highest in the state.

With 268 residents per square mile across 1.7 square miles of land, 12778 is denser than the statewide ZIP median of 197 (rank 715 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.