ZIP Code 14812 — Beaver Dams, New York

The median home in 14812 is valued at $120,200 against a median household income of $58,516, 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 Schuyler County, 14812 ranks 2 of 8 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.4. Renting takes 18.1% of median household income (median rent $883 a month), under the 30% cost-burden threshold.

14812 ranks 1,339 of 1,572 statewide on median household income and 1,380 of 1,572 on median home value; its income is in line with the $59,467 Schuyler County median. 89% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 16% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 10.4%, above the 9.9% statewide ZIP median. Unemployment stands at 5.4%.

With 39 residents per square mile across 76.4 square miles of land, 14812 is far less dense than the statewide ZIP median of 197 (rank 1,279 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.