The basics
Total Population
3,356
Median Age
50.1
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$192,900
Median Property Tax
$3,918
Effective Tax Rate
2%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
2.68
Median Rent
$955
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
54%
Pandemic Gain %
35%
Recession Drop %
-23%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
79.2
Winter Avg Low (°F)
14.1
Avg Temperature (°F)
45.6
Hot Days/yr (>90°F)
2.6
Freezing Days/yr (<32°F)
164.1
Annual Precipitation (in)
46.9
Annual Snowfall (in)
75.2
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
51.2
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 12865: frequently asked questions
- What is the median home value in ZIP Code 12865?
- The median home value in ZIP Code 12865 is $192,900, near the U.S. ZIP codes median.
- How much is property tax in ZIP Code 12865?
- The median annual property tax in ZIP Code 12865 is $3,918, an effective rate of 2% of home value.
- Is ZIP Code 12865 expensive to live in?
- Homes in ZIP Code 12865 cost about 2.68× the median household income, lower than 58% of U.S. ZIP codes.
- What is the average rent in ZIP Code 12865?
- The median gross rent in ZIP Code 12865 is $955 a month, higher than 56% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 12865?
- Home prices in ZIP Code 12865 have moved 54% over the past five years, per the FHFA House Price Index.
- What is the weather like in ZIP Code 12865?
- ZIP Code 12865 averages 45.6°F year-round, summer highs near 79.2°F, winter lows around 14.1°F (NOAA 1991–2020 normals). It sees about 75.2 inches of snow a year.
- Is ZIP Code 12865 at risk of flooding or natural disasters?
- ZIP Code 12865's FEMA National Risk Index score is 51.2 (lower than 66% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →