ZIP Code 12976 — Rainbow Lake, New York

The median home in 12976 is valued at $291,700 against a median household income of $70,417, a price-to-income ratio of 4.1. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Franklin County, 12976 ranks 19 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1.

12976 ranks 1,029 of 1,572 statewide on median household income and 637 of 1,572 on median home value; its income is above the $64,639 Franklin County median. 80% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 71% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.1%, below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 5.6%.

With 7 residents per square mile across 27.9 square miles of land, 12976 is far less dense than the statewide ZIP median of 197 (rank 1,531 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.