The basics
Total Population
5,326
Median Age
48.7
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$158,900
Median Property Tax
$3,801
Effective Tax Rate
2%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
2.34
Median Rent
$790
Home prices & appreciation
Ranked against U.S. ZIP codes.
Pandemic Gain %
56%
Recession Drop %
-7.1%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
75.4
Winter Avg Low (°F)
7.5
Avg Temperature (°F)
41.5
Hot Days/yr (>90°F)
1.2
Freezing Days/yr (<32°F)
185.4
Annual Precipitation (in)
45
Annual Snowfall (in)
104.9
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
43.5
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 12986: frequently asked questions
- What is the median home value in ZIP Code 12986?
- The median home value in ZIP Code 12986 is $158,900, lower than 65% of U.S. ZIP codes.
- How much is property tax in ZIP Code 12986?
- The median annual property tax in ZIP Code 12986 is $3,801, an effective rate of 2% of home value.
- Is ZIP Code 12986 expensive to live in?
- Homes in ZIP Code 12986 cost about 2.34× the median household income, lower than 67% of U.S. ZIP codes.
- What is the average rent in ZIP Code 12986?
- The median gross rent in ZIP Code 12986 is $790 a month, lower than 61% of U.S. ZIP codes.
- What is the weather like in ZIP Code 12986?
- ZIP Code 12986 averages 41.5°F year-round, summer highs near 75.4°F, winter lows around 7.5°F (NOAA 1991–2020 normals). It sees about 104.9 inches of snow a year.
- Is ZIP Code 12986 at risk of flooding or natural disasters?
- ZIP Code 12986's FEMA National Risk Index score is 43.5 (lower than 74% 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 →