The basics
Total Population
363
Median Age
37.6
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$105,200
Lower than 81%
Median Property Tax
$1,931
Effective Tax Rate
2%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
1.58
Lower than 83%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
78.5
Winter Avg Low (°F)
11.3
Avg Temperature (°F)
45.1
Hot Days/yr (>90°F)
3.9
Freezing Days/yr (<32°F)
157.7
Annual Precipitation (in)
39.4
Annual Snowfall (in)
75.2
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
18.2
Lower than 92%
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 12965: frequently asked questions
- What is the median home value in ZIP Code 12965?
- The median home value in ZIP Code 12965 is $105,200, lower than 81% of U.S. ZIP codes.
- How much is property tax in ZIP Code 12965?
- The median annual property tax in ZIP Code 12965 is $1,931, an effective rate of 2% of home value.
- Is ZIP Code 12965 expensive to live in?
- Homes in ZIP Code 12965 cost about 1.58× the median household income, lower than 83% of U.S. ZIP codes.
- What is the weather like in ZIP Code 12965?
- ZIP Code 12965 averages 45.1°F year-round, summer highs near 78.5°F, winter lows around 11.3°F (NOAA 1991–2020 normals). It sees about 75.2 inches of snow a year.
- Is ZIP Code 12965 at risk of flooding or natural disasters?
- ZIP Code 12965's FEMA National Risk Index score is 18.2 (lower than 92% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →