ZIP Code 12817 — Chestertown, New York

The median home in 12817 is valued at $304,500 against a median household income of $90,469, 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 Warren County, 12817 ranks 10 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.3. Renting takes 11.6% of median household income (median rent $876 a month), under the 30% cost-burden threshold.

12817 ranks 583 of 1,572 statewide on median household income and 611 of 1,572 on median home value; its income is above the $76,396 Warren County median. 82% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 43% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 7.1%, below the 9.9% statewide ZIP median. Unemployment stands at 7.3%.

With 39 residents per square mile across 51.3 square miles of land, 12817 is far less dense than the statewide ZIP median of 197 (rank 1,279 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.