ZIP Code 12985 — Schuyler Falls, New York

The median home in 12985 is valued at $157,700 against a median household income of $74,432, a price-to-income ratio of 2.1. 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, 12985 ranks 8 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.2.

12985 ranks 921 of 1,572 statewide on median household income and 1,171 of 1,572 on median home value; its income is in line with the $71,842 Clinton County median. 85% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 19.9%, far above the 9.9% statewide ZIP median. Unemployment stands at 2.4%.

With 15 residents per square mile across 51 square miles of land, 12985 is far less dense than the statewide ZIP median of 197 (rank 1,499 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.