ZIP 12701 vs ZIP 12754

This side-by-side compares ZIP 12701 (Monticello, NY) and ZIP 12754 (Liberty, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12701 has a population of 11,324 at 76 people per square mile, while ZIP 12754 has 7,221 at 105 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 12701 reports a median household income of $57,222 against $67,624 in ZIP 12754, with per-capita income of $33,705 vs $32,340. The share of adults holding a bachelor's degree or higher is 20.4% in 12701 and 23.1% in 12754. Poverty rate reads 23.7% vs 11.3%, and unemployment 6.5% vs 8.9% — 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 $203,100 in 12701 versus $223,500 in 12754, with median rent of $1,104 and $911 per month respectively. Homeownership rate is 36.2% vs 53.7%. 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.