ZIP 12075 vs ZIP 12565

This side-by-side compares ZIP 12075 (Ghent, NY) and ZIP 12565 (Philmont, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12075 has a population of 3,418 at 34 people per square mile, while ZIP 12565 has 1,487 at 396 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 12075 reports a median household income of $98,047 against $56,563 in ZIP 12565, with per-capita income of $54,264 vs $36,895. The share of adults holding a bachelor's degree or higher is 40.6% in 12075 and 20.3% in 12565. Poverty rate reads 11.3% vs 21.6%, and unemployment 6.0% vs 7.1% — 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 $422,900 in 12075 versus $225,000 in 12565, with median rent of $1,370 and $1,193 per month respectively. Homeownership rate is 85.5% vs 61.1%. 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.