ZIP Code 12903 — Plattsburgh, New York

The median home in 12903 is valued at $192,700 against a median household income of $76,912, a price-to-income ratio of 2.5. 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 Clinton County, 12903 ranks 15 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.2. Renting takes 24.2% of median household income (median rent $1,550 a month), under the 30% cost-burden threshold.

12903 ranks 857 of 1,572 statewide on median household income and 958 of 1,572 on median home value; its income is above the $71,842 Clinton County median. 54% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 46% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 7.3%, below the 9.9% statewide ZIP median. Unemployment stands at 5.5%.

With 414 residents per square mile across 4.2 square miles of land, 12903 is far denser than the statewide ZIP median of 197 (rank 639 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.