ZIP 12565 vs ZIP 12075

This side-by-side compares ZIP 12565 (Philmont, NY) and ZIP 12075 (Ghent, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12565 has a population of 1,487 at 396 people per square mile, while ZIP 12075 has 3,418 at 34 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 12565 reports a median household income of $56,563 against $98,047 in ZIP 12075, with per-capita income of $36,895 vs $54,264. The share of adults holding a bachelor's degree or higher is 20.3% in 12565 and 40.6% in 12075. Poverty rate reads 21.6% vs 11.3%, and unemployment 7.1% vs 6.0% — 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 $225,000 in 12565 versus $422,900 in 12075, with median rent of $1,193 and $1,370 per month respectively. Homeownership rate is 61.1% vs 85.5%. 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.