ZIP Code 12878 — Stony Creek, New York

The median home in 12878 is valued at $165,200 against a median household income of $61,667, 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 Warren County, 12878 ranks 4 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.3. Renting takes 17.4% of median household income (median rent $894 a month), under the 30% cost-burden threshold.

12878 ranks 1,263 of 1,572 statewide on median household income and 1,121 of 1,572 on median home value; its income is below the $76,396 Warren County median. 86% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 10% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 7.8%, below the 9.9% statewide ZIP median. Unemployment stands at 0.8%.

With 7 residents per square mile across 107.6 square miles of land, 12878 is far less dense than the statewide ZIP median of 197 (rank 1,531 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.