ZIP Code 12920 — Chateaugay, New York

The median home in 12920 is valued at $127,300 against a median household income of $70,714, a price-to-income ratio of 1.8. 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, 12920 ranks 7 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 16.0% of median household income (median rent $945 a month), under the 30% cost-burden threshold.

12920 ranks 1,023 of 1,572 statewide on median household income and 1,341 of 1,572 on median home value; its income is above the $64,639 Franklin County median. 83% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 17.8%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.6%.

With 31 residents per square mile across 79.8 square miles of land, 12920 is far less dense than the statewide ZIP median of 197 (rank 1,350 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.