ZIP Code 13812 — Nichols, New York

The median home in 13812 is valued at $135,700 against a median household income of $74,450, a price-to-income ratio of 1.8. 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 Tioga County, 13812 ranks 4 of 12 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 19.2% of median household income (median rent $1,189 a month), under the 30% cost-burden threshold.

13812 ranks 920 of 1,572 statewide on median household income and 1,304 of 1,572 on median home value; its income is above the $68,570 Tioga County median. 81% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 3.1%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 2.2%.

With 74 residents per square mile across 31.3 square miles of land, 13812 is far less dense than the statewide ZIP median of 197 (rank 1,036 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.