ZIP Code 12870 — Schroon Lake, New York

The median home in 12870 is valued at $255,200 against a median household income of $65,326, a price-to-income ratio of 3.9. 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. Within Essex County, 12870 ranks 22 of 24 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.8. Renting takes 14.0% of median household income (median rent $760 a month), under the 30% cost-burden threshold.

12870 ranks 1,156 of 1,572 statewide on median household income and 722 of 1,572 on median home value; its income is below the $70,729 Essex County median. 82% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 39% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 9.9%, in line with the 9.9% statewide ZIP median. Unemployment stands at 1.6%.

With 18 residents per square mile across 98.4 square miles of land, 12870 is far less dense than the statewide ZIP median of 197 (rank 1,475 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.