ZIP Code 12945 — Lake Clear, New York

The median home in 12945 is valued at $255,500 against a median household income of $88,114, a price-to-income ratio of 2.9. That is in line with 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, 12945 ranks 16 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1.

12945 ranks 627 of 1,572 statewide on median household income and 720 of 1,572 on median home value; its income is above the $64,639 Franklin County median. 100% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 45% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 6.2%, below the 9.9% statewide ZIP median.

With 16 residents per square mile across 33.8 square miles of land, 12945 is far less dense than the statewide ZIP median of 197 (rank 1,490 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.