ZIP Code 12198

In ZIP code 12198, which covers Stephentown, households earn a median of $113,083, with per-capita income at $54,694. That earnings level shapes how housing and taxes fit together here. A median home value of $285,100 paired with the county's 2.05% effective property tax rate means annual property taxes land in the range of several thousand dollars, a real line item against income. Add the 8.00% combined sales tax on purchases, and everyday spending carries its own cost. Together these figures sketch a place where solid earnings meet meaningful housing and consumption taxes, so buyers and longtime owners alike should weigh both sides carefully.