ZIP Code 12838 — Hartford, New York

The median home in 12838 is valued at $144,400 against a median household income of $65,387, a price-to-income ratio of 2.2. 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, 12838 ranks 4 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.5. Renting takes 21.3% of median household income (median rent $1,158 a month), under the 30% cost-burden threshold.

12838 ranks 1,155 of 1,572 statewide on median household income and 1,257 of 1,572 on median home value; its income is below the $74,631 Washington County median. 79% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.4%, above the 9.9% statewide ZIP median. Unemployment stands at 5.4%.

With 129 residents per square mile across 5.4 square miles of land, 12838 is less dense than the statewide ZIP median of 197 (rank 863 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.