ZIP 12068 vs ZIP 12095

This side-by-side compares ZIP 12068 (Fonda, NY) and ZIP 12095 (Johnstown, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12068 has a population of 3,201 at 40 people per square mile, while ZIP 12095 has 12,606 at 80 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 12068 reports a median household income of $72,788 against $69,469 in ZIP 12095, with per-capita income of $34,723 vs $35,555. The share of adults holding a bachelor's degree or higher is 23.5% in 12068 and 21.1% in 12095. Poverty rate reads 9.6% vs 7.9%, and unemployment 1.2% vs 2.4% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $170,100 in 12068 versus $168,700 in 12095, with median rent of $901 and $923 per month respectively. Homeownership rate is 80.5% vs 66.7%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.