ZIP Code 12997 — Wilmington, New York

The median home in 12997 is valued at $272,800 against a median household income of $80,568, a price-to-income ratio of 3.4. That is above 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 Essex County, 12997 ranks 18 of 24 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.8. Renting takes 16.3% of median household income (median rent $1,095 a month), under the 30% cost-burden threshold.

12997 ranks 766 of 1,572 statewide on median household income and 676 of 1,572 on median home value; its income is above the $70,729 Essex County median. 84% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 31% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 3.3%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 1.8%.

With 20 residents per square mile across 65.2 square miles of land, 12997 is far less dense than the statewide ZIP median of 197 (rank 1,457 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.