ZIP Code 12941 — Jay, New York

The median home in 12941 is valued at $200,000 against a median household income of $77,833, a price-to-income ratio of 2.6. 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 Essex County, 12941 ranks 11 of 24 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.8. Renting takes 16.8% of median household income (median rent $1,092 a month), under the 30% cost-burden threshold.

12941 ranks 832 of 1,572 statewide on median household income and 920 of 1,572 on median home value; its income is above the $70,729 Essex County median. 92% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 32% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 8.6%, below the 9.9% statewide ZIP median. Unemployment stands at 1.4%.

With 42 residents per square mile across 35.1 square miles of land, 12941 is far less dense than the statewide ZIP median of 197 (rank 1,247 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.