ZIP Code 12821 — Comstock, New York

The median home in 12821 is valued at $212,000 against a median household income of $32,344, a price-to-income ratio of 6.6. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Washington County, 12821 ranks 18 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.5. Renting takes 31.8% of median household income (median rent $857 a month), above the 30% cost-burden threshold.

12821 ranks 1,563 of 1,572 statewide on median household income and 874 of 1,572 on median home value; its income is far below the $74,631 Washington County median. 52% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 3% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 23.3%, far above the 9.9% statewide ZIP median.

With 398 residents per square mile across 5.6 square miles of land, 12821 is far denser than the statewide ZIP median of 197 (rank 645 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.