ZIP Code 12989 — Vermontville, New York

The median home in 12989 is valued at $196,500 against a median household income of $78,438, a price-to-income ratio of 2.5. 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 Franklin County, 12989 ranks 14 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.1. Renting takes 9.8% of median household income (median rent $641 a month), under the 30% cost-burden threshold.

12989 ranks 810 of 1,572 statewide on median household income and 938 of 1,572 on median home value; its income is above the $64,639 Franklin County median. 91% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 24% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 20.1%, far above the 9.9% statewide ZIP median. Unemployment stands at 3.7%.

With 7 residents per square mile across 143.3 square miles of land, 12989 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.