ZIP 12164 vs ZIP 12108

This side-by-side compares ZIP 12164 (Speculator, NY) and ZIP 12108 (Lake Pleasant, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12164 has a population of 365 at 3 people per square mile, while ZIP 12108 has 416 at 1 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 12164 reports a median household income of $62,083 against $55,625 in ZIP 12108, with per-capita income of $40,262 vs $37,379. The share of adults holding a bachelor's degree or higher is 44.4% in 12164 and 31.6% in 12108. Poverty rate reads 24.5% vs 14.0%, and unemployment 4.9% vs 0.0% — 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 $226,800 in 12164 versus $339,100 in 12108, with median rent of $1,042 and — per month respectively. Homeownership rate is 74.0% vs 68.3%. 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.