ZIP Code 12957 — Moira, New York

The median home in 12957 is valued at $87,700 against a median household income of $57,839, a price-to-income ratio of 1.5. 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, 12957 ranks 3 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 15.9% of median household income (median rent $768 a month), under the 30% cost-burden threshold.

12957 ranks 1,350 of 1,572 statewide on median household income and 1,539 of 1,572 on median home value; its income is below the $64,639 Franklin County median. 60% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 14% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 22.8%, far above the 9.9% statewide ZIP median. Unemployment stands at 10.9%.

With 49 residents per square mile across 35.4 square miles of land, 12957 is far less dense than the statewide ZIP median of 197 (rank 1,189 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.