ZIP Code 12861 — Putnam Station, New York

The median home in 12861 is valued at $264,700 against a median household income of $98,125, 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, 12861 ranks 13 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.5.

12861 ranks 482 of 1,572 statewide on median household income and 694 of 1,572 on median home value; its income is above the $74,631 Washington County median. 93% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.0%, in line with the 9.9% statewide ZIP median. Unemployment stands at 7.8%.

With 16 residents per square mile across 32.1 square miles of land, 12861 is far less dense than the statewide ZIP median of 197 (rank 1,490 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.