ZIP Code 12783 — Swan Lake, New York

The median home in 12783 is valued at $209,500 against a median household income of $60,781, 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, 12783 ranks 22 of 37 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 26.7% of median household income (median rent $1,354 a month), under the 30% cost-burden threshold.

12783 ranks 1,285 of 1,572 statewide on median household income and 882 of 1,572 on median home value; its income is below the $73,919 Sullivan County median. 79% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 24% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 14.8%, above the 9.9% statewide ZIP median. Unemployment stands at 0.5%.

With 43 residents per square mile across 31.7 square miles of land, 12783 is far less dense than the statewide ZIP median of 197 (rank 1,240 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.