ZIP Code 12863 — Rock City Falls, New York

The median home in 12863 is valued at $312,300 against a median household income of $92,536, 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 Saratoga County, 12863 ranks 17 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.1. Renting takes 11.4% of median household income (median rent $881 a month), under the 30% cost-burden threshold.

12863 ranks 549 of 1,572 statewide on median household income and 596 of 1,572 on median home value; its income is in line with the $94,189 Saratoga County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 14% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 5.4%, below the 9.9% statewide ZIP median and among the lowest in the state.

With 229 residents per square mile across 3.8 square miles of land, 12863 is denser than the statewide ZIP median of 197 (rank 739 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.