ZIP Code 12846 — Lake Luzerne, New York

The median home in 12846 is valued at $197,400 against a median household income of $47,449, a price-to-income ratio of 4.2. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Warren County, 12846 ranks 16 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.3. Renting takes 23.8% of median household income (median rent $942 a month), under the 30% cost-burden threshold.

12846 ranks 1,490 of 1,572 statewide on median household income and 931 of 1,572 on median home value; its income is below the $76,396 Warren County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 20.9%, far above the 9.9% statewide ZIP median. Unemployment stands at 1.4%.

With 56 residents per square mile across 54 square miles of land, 12846 is far less dense than the statewide ZIP median of 197 (rank 1,128 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.