ZIP Code 12923 — Churubusco, New York

The median home in 12923 is valued at $107,300 against a median household income of $50,000, 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 Clinton County, 12923 ranks 9 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.2. Renting takes 10.5% of median household income (median rent $438 a month), under the 30% cost-burden threshold.

12923 ranks 1,468 of 1,572 statewide on median household income and 1,468 of 1,572 on median home value; its income is below the $71,842 Clinton County median. 78% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 7% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 15.3%, far above the 9.9% statewide ZIP median. Unemployment stands at 15.8%.

With 11 residents per square mile across 42.6 square miles of land, 12923 is far less dense than the statewide ZIP median of 197 (rank 1,519 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.