Estimated median household income in 2007: $51,796
| This zip code: | $51,796 | | New York: | $53,514 |
Nearest zip codes: 12168, 12153, 12062, 12018, 12125, 12022.
Stephentown Zip Code Map
Percentage of family households:
| This zip code: | 67.1% | | Whole state: | 65.7% |
Percentage of households with unmarried partners:
| This zip code: | 7.1% | | Whole state: | 5.4% |
No gay or lesbian households reported
Housing units in zip code 12169 with a mortgage: 22 (0 second mortgage, 0 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 12
Median monthly owner costs for units with a mortgage: $1,267
Median monthly owner costs for units without a mortgage: $488
Residents with income below the poverty level in 2007:
| This zip code: | 4.0% | | Whole state: | 13.7% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 0.0% | | Whole state: | 6.1% |
Median number of rooms in houses and condos:
| Here: | 5.1 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.6 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 9
- 1995 to 1998: 9
- 1990 to 1994: 11
- 1980 to 1989: 22
- 1970 to 1979: 10
- 1960 to 1969: 13
- 1950 to 1959: 0
- 1940 to 1949: 0
- 1939 or earlier: 15
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Bedrooms in owner-occupied houses in Stephentown, NY (12169): |
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- no bedroom: 0
- 1 bedrooms: 8
- 2 bedrooms: 21
- 3 bedrooms: 18
- 4 bedrooms: 0
- 5 or more bedrooms: 0
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 5
- 2 bedrooms: 12
- 3 bedrooms: 6
- 4 bedrooms: 0
- 5 or more bedrooms: 0
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Vehicles available in 12169 zip code in owner-occupied houses/condos: |
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- no vehicle: 0
- 1 vehicle: 16
- 2 vehicles: 31
- 3 vehicles: 0
- 4 vehicles: 0
- 5 or more vehicles: 0
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 0
- 1 vehicle: 11
- 2 vehicles: 12
- 3 vehicles: 0
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 12169:
- $50,000 to $59,999: 3
- $60,000 to $69,999: 1
- $100,000 to $124,999: 3
- $125,000 to $149,999: 4
- $150,000 to $174,999: 1
- $175,000 to $199,999: 5
- $200,000 to $249,999: 16
- $250,000 to $299,999: 5
- $300,000 to $399,999: 9
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Rent paid by renters in 2007 in zip code 12169:
- $350 to $399: 3
- $450 to $499: 3
- $500 to $549: 4
- No cash rent: 7
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Median price asked for vacant for-sale houses and condos in 2007: $0.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $227,350
Estimated median house or condo value in 2007: $165,611 (it was $105,900 in 2000)
| 12169: | $165,611 | | New York: | $311,000 |
Lower value quartile - upper value quartile: $99,201 - $207,209
Mean price in 2007:
Detached houses: $187,868| Here: | $187,868 | | State: | $352,556 |
Mobile homes: $27,500| Here: | $27,500 | | State: | $40,766 |
Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 58
- One, attached: 6
- 3 or 4: 11
- Mobile homes: 14

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Means of transportation to work
- Drove a car alone: 78 (94%)
- Carpooled: 5 (6%)
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Travel time to work
- Less than 5 minutes: 0
- 5 to 9 minutes: 0
- 10 to 14 minutes: 0
- 15 to 19 minutes: 10
- 20 to 24 minutes: 14
- 25 to 29 minutes: 9
- 30 to 34 minutes: 9
- 35 to 39 minutes: 5
- 40 to 44 minutes: 20
- 45 to 59 minutes: 11
- 60 to 89 minutes: 5
- 90 or more minutes: 0
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Percentage of zip code residents living and working in this county: 50.6%
Household type by relationship
Households: 154
- In family households: 125 (39 male householders, 9 female householders)
32 spouses, 42 children (42 natural, 0 adopted, 0 stepchildren), 0 grandchildren, 0 brothers or sisters, 3 parents, 0 other relatives, 0 non-relatives
- In nonfamily households: 29 (5 male householders (0 living alone)), 19 female householders (19 living alone)), 5 nonrelatives
Size of family households: 21 2-persons, 16 3-persons, 11 4-persons.
Size of nonfamily households: 19 1-person, 5 2-persons.
37 married couples with children.
6 single-parent households (1 men, 5 women).
All residents speak English at home
White population: 164
Black population: 0
American Indian population: 0
Asian population: 0
Native Hawaiian and Other Pacific Islander population: 2
Some other race population: 0
Two or more races population: 0

First ancestries reported:
|  European: 20 |
|  English: 20 |
|  French (except Basque): 19 |
|  United States or American: 19 |
|  German: 15 |
|  Polish: 14 |
|  Irish: 9 |
|  Italian: 5 |
|  British: 4 |
|  Russian: 4 |
|  Welsh: 3 |

Median worth of mobile homes: $31,661
Housing units lacking complete plumbing facilities: 4%
Housing units lacking complete kitchen facilities: 4%
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (43%)
- Wood (26%)
- Electricity (24%)
- Bottled, tank, or LP gas (7%)
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Place of birth for U.S.-born residents:
- This state: 97
- Northeast: 51
- Midwest: 6
- South: 0
- West: 0
55% of the 12169 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 100% lived in this county.
Population in 1990: 1,566. Population change in the 1990s: -1,400 (-89.4%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 0
| Here: | 0.0% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 0
| Here: | 0.0% | | New York: | 13.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Construction: New Single-Family Housing Construction (except Operative Builders) (1-4 employees: 2 establishments)
- Administrative and Support and Waste Management and Remediation Services: Landscaping Services (1-4: 1)
- Other Services (except Public Administration): Automotive Body, Paint, and Interior Repair and Maintenance (1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Fatal accident statistics in 2006
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 3
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 9
- Pedestrians involved in fatal accidents: 2
Fatal accident statistics in 2005
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 2
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 3
- Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $165,820 | 6 | $179,653 | 9 | $143,524 | 3 | $84,043 | 2 | $285,300 | 1 | $85,140 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $67,030 | 4 | $147,060 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $134,300 | 10 | $137,357 | 4 | $46,275 | 0 | $0 | 2 | $63,505 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 5 | $137,686 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $104,190 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $113,600 | 7 | $128,990 | 12 | $122,245 | 3 | $50,803 | 3 | $147,707 | 1 | $114,540 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $100,200 | 3 | $120,657 | 1 | $26,110 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $108,545 | 12 | $106,546 | 3 | $58,720 | 0 | $0 | 1 | $63,970 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 5 | $154,620 | 1 | $108,900 | 0 | $0 | 1 | $46,570 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 2 | $135,595 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $70,800 | 9 | $182,777 | 13 | $108,535 | 3 | $55,743 | 3 | $259,427 | 1 | $192,390 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $58,680 | 3 | $162,917 | 1 | $21,870 | 0 | $0 | 1 | $25,400 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $47,277 | 7 | $102,783 | 6 | $54,880 | 1 | $48,690 | 3 | $38,103 |
| APPLICATIONS WITHDRAWN | 1 | $30,340 | 1 | $151,700 | 7 | $91,627 | 1 | $103,250 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $74,320 | 2 | $177,695 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $89,850 | 9 | $133,907 | 14 | $111,586 | 2 | $59,155 | 2 | $121,480 | 1 | $51,270 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $228,850 | 3 | $105,447 | 1 | $26,580 | 1 | $119,950 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $59,510 | 4 | $67,503 | 10 | $88,482 | 3 | $27,520 | 0 | $0 | 3 | $40,847 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $112,430 | 8 | $104,694 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $61,150 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $109,130 | 9 | $96,067 | 23 | $106,423 | 1 | $21,640 | 3 | $155,153 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $41,400 | 4 | $100,548 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 4 | $62,270 | 7 | $117,836 | 1 | $30,580 | 1 | $87,260 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $119,480 | 9 | $102,390 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $125,830 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $89,140 | 6 | $98,157 | 17 | $103,986 | 2 | $63,150 | 3 | $95,647 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $49,390 | 2 | $76,910 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $59,897 | 9 | $92,041 | 2 | $23,285 | 1 | $108,660 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $35,750 | 3 | $114,620 | 1 | $13,170 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $59,270 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
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| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $108,190 | 7 | $68,846 | 9 | $92,277 | 1 | $28,220 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $43,275 | 2 | $97,960 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $59,390 | 7 | $60,379 | 3 | $14,583 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $56,450 | 4 | $105,958 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $107,490 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
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| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $65,855 | 6 | $92,198 | 3 | $53,627 | 3 | $18,660 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 3 | $50,960 | 2 | $53,040 | 1 | $13,640 |
| APPLICATIONS DENIED | 1 | $61,390 | 2 | $47,745 | 5 | $58,988 | 2 | $19,170 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $69,380 | 4 | $79,675 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $159,230 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $82,120 | 2 | $101,080 | 5 | $72,812 | 2 | $22,130 | 1 | $78,780 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $54,470 | 1 | $95,560 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $33,810 | 2 | $75,725 | 1 | $29,350 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 2 | $73,375 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $77,950 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0526.03
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $197,100 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $186,510 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $143,120 | 1 | $166,520 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $146,060 | 2 | $128,065 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $92,670 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $127,713 | 1 | $80,200 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $72,680 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 2 | $74,910 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $72,910 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0526.03
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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