ZIP 12785 vs ZIP 10963

This side-by-side compares ZIP 12785 (Westbrookville, NY) and ZIP 10963 (Otisville, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 12785 has a population of 1,024 at 24 people per square mile, while ZIP 10963 has 4,298 at 131 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 12785 reports a median household income of $140,397 against $82,989 in ZIP 10963, with per-capita income of $35,459 vs $31,807. The share of adults holding a bachelor's degree or higher is 8.2% in 12785 and 16.5% in 10963. Poverty rate reads 7.9% vs 6.4%, and unemployment 6.4% vs 1.3% — 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 $239,900 in 12785 versus $346,800 in 10963, with median rent of — and $999 per month respectively. Homeownership rate is 95.9% vs 70.4%. 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.