ZIP Code 12965 — Nicholville, New York

The median home in 12965 is valued at $88,600 against a median household income of $63,214, a price-to-income ratio of 1.4. That is far 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 Saint Lawrence County, 12965 ranks 7 of 35 ZIPs on affordability (1 = lowest ratio); the county median ratio is 1.9. Renting takes 15.0% of median household income (median rent $792 a month), under the 30% cost-burden threshold.

12965 ranks 1,215 of 1,572 statewide on median household income and 1,536 of 1,572 on median home value; its income is in line with the $66,488 Saint Lawrence County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 15.3%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.2%.

With 30 residents per square mile across 9.3 square miles of land, 12965 is far less dense than the statewide ZIP median of 197 (rank 1,365 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.