ZIP 12549 vs ZIP 10916

This side-by-side compares ZIP 12549 (Montgomery, NY) and ZIP 10916 (Campbell Hall, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12549 has a population of 10,201 at 102 people per square mile, while ZIP 10916 has 4,540 at 87 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 12549 reports a median household income of $122,734 against $135,556 in ZIP 10916, with per-capita income of $55,826 vs $47,147. The share of adults holding a bachelor's degree or higher is 33.2% in 12549 and 47.2% in 10916. Poverty rate reads 7.5% vs 2.5%, and unemployment 4.3% vs 3.4% — 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 $407,900 in 12549 versus $492,400 in 10916, with median rent of $1,633 and $1,394 per month respectively. Homeownership rate is 84.1% vs 92.4%. 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.