ZIP Code 12914 — Bombay, New York

The median home in 12914 is valued at $89,800 against a median household income of $43,750, a price-to-income ratio of 2.1. 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 Franklin County, 12914 ranks 10 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 21.0% of median household income (median rent $765 a month), under the 30% cost-burden threshold.

12914 ranks 1,514 of 1,572 statewide on median household income and 1,532 of 1,572 on median home value; its income is below the $64,639 Franklin County median. 68% of households own their home, below 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 24.0%, far above the 9.9% statewide ZIP median. Unemployment stands at 4.7%.

With 30 residents per square mile across 30.2 square miles of land, 12914 is far less dense than the statewide ZIP median of 197 (rank 1,365 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.