ZIP Code 12154

In ZIP 12154, near Stephentown, households bring in a median of $106,136 a year, with per-capita income at $55,180 — earnings that sit well above many upstate New York communities. Homes here carry a median value of $251,300, and the county-level property tax rate of 2.05% means the owner of such a house would owe roughly $5,150 annually. Add the 8.00% combined sales tax on purchases, and a meaningful share of income goes toward housing and consumption taxes, though the income base leaves room to absorb both without strain.