ZIP 12095 vs ZIP 12068

This side-by-side compares ZIP 12095 (Johnstown, NY) and ZIP 12068 (Fonda, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12095 has a population of 12,606 at 80 people per square mile, while ZIP 12068 has 3,201 at 40 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 12095 reports a median household income of $69,469 against $72,788 in ZIP 12068, with per-capita income of $35,555 vs $34,723. The share of adults holding a bachelor's degree or higher is 21.1% in 12095 and 23.5% in 12068. Poverty rate reads 7.9% vs 9.6%, and unemployment 2.4% vs 1.2% — 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 $168,700 in 12095 versus $170,100 in 12068, with median rent of $923 and $901 per month respectively. Homeownership rate is 66.7% vs 80.5%. 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.