ZIP Code 12816 — Cambridge, New York

The median home in 12816 is valued at $213,300 against a median household income of $79,669, 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 Washington County, 12816 ranks 12 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.5. Renting takes 16.0% of median household income (median rent $1,064 a month), under the 30% cost-burden threshold.

12816 ranks 786 of 1,572 statewide on median household income and 868 of 1,572 on median home value; its income is above the $74,631 Washington County median. 83% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 32% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 8.9%, below the 9.9% statewide ZIP median. Unemployment stands at 2.6%.

With 78 residents per square mile across 59.9 square miles of land, 12816 is far less dense than the statewide ZIP median of 197 (rank 1,023 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.