ZIP Code 12972 — Peru, New York

The median home in 12972 is valued at $195,600 against a median household income of $120,822, a price-to-income ratio of 1.6. 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 Clinton County, 12972 ranks 2 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.2. Renting takes 11.7% of median household income (median rent $1,178 a month), under the 30% cost-burden threshold.

12972 ranks 279 of 1,572 statewide on median household income and 945 of 1,572 on median home value; its income is far above the $71,842 Clinton County median. 89% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 33% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 5.9%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 1.9%.

With 93 residents per square mile across 76.2 square miles of land, 12972 is far less dense than the statewide ZIP median of 197 (rank 959 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.