ZIP Code 12884 — Victory Mills, New York

The median home in 12884 is valued at $160,700 against a median household income of $46,071, a price-to-income ratio of 3.5. 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, 12884 ranks 19 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.1. Renting takes 25.6% of median household income (median rent $984 a month), under the 30% cost-burden threshold.

12884 ranks 1,502 of 1,572 statewide on median household income and 1,146 of 1,572 on median home value; its income is far below the $94,189 Saratoga County median. 59% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 12% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 17.5%, far above the 9.9% statewide ZIP median. Unemployment stands at 5.4%.

With 1,418 residents per square mile across 0.4 square miles of land, 12884 is far denser than the statewide ZIP median of 197 (rank 452 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.