ZIP 12076 vs ZIP 12407

This side-by-side compares ZIP 12076 (Gilboa, NY) and ZIP 12407 (Ashland, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12076 has a population of 1,500 at 8 people per square mile, while ZIP 12407 has 173 at 20 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 12076 reports a median household income of $84,583 against $63,438 in ZIP 12407, with per-capita income of $42,187 vs $35,270. The share of adults holding a bachelor's degree or higher is 24.9% in 12076 and 13.5% in 12407. Poverty rate reads 8.0% vs 3.7%, and unemployment 3.3% vs 9.4% — 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 $225,600 in 12076 versus $312,500 in 12407, with median rent of $990 and $1,325 per month respectively. Homeownership rate is 95.4% vs 52.9%. 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.