ZIP Code 13612 — Black River, New York

The median home in 13612 is valued at $195,000 against a median household income of $67,106, a price-to-income ratio of 2.9. That is in line with 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 Jefferson County, 13612 ranks 22 of 33 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 16.8% of median household income (median rent $942 a month), under the 30% cost-burden threshold.

13612 ranks 1,115 of 1,572 statewide on median household income and 951 of 1,572 on median home value; its income is below the $75,673 Jefferson County median. 70% of households own their home, below 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 14.7%, above the 9.9% statewide ZIP median. Unemployment stands at 14.3%.

With 156 residents per square mile across 18.9 square miles of land, 13612 is less dense than the statewide ZIP median of 197 (rank 830 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.