ZIP Code 12981 — Saranac, New York

The median home in 12981 is valued at $141,900 against a median household income of $73,258, a price-to-income ratio of 1.9. 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, 12981 ranks 5 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.2. Renting takes 15.3% of median household income (median rent $935 a month), under the 30% cost-burden threshold.

12981 ranks 956 of 1,572 statewide on median household income and 1,271 of 1,572 on median home value; its income is in line with the $71,842 Clinton County median. 87% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 20.6%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.6%.

With 19 residents per square mile across 116.8 square miles of land, 12981 is far less dense than the statewide ZIP median of 197 (rank 1,462 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.