ZIP 12440 vs ZIP 12404

This side-by-side compares ZIP 12440 (High Falls, NY) and ZIP 12404 (Accord, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12440 has a population of 1,980 at 33 people per square mile, while ZIP 12404 has 3,385 at 37 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 12440 reports a median household income of $106,553 against $77,214 in ZIP 12404, with per-capita income of $48,492 vs $57,956. The share of adults holding a bachelor's degree or higher is 54.3% in 12440 and 55.3% in 12404. Poverty rate reads 11.0% vs 10.8%, and unemployment 2.9% vs 4.0% — 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 $346,200 in 12440 versus $415,700 in 12404, with median rent of — and $1,282 per month respectively. Homeownership rate is 74.3% vs 82.6%. 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.