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ZIP 04332
Housing & Real Estate

ZIP 04332 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04332

Median Home Value

$173,000

Median Rent

$833

Affordability Snapshot

$48,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,111/mo PITI).

20%

Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.3 yrs

Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 04332, a household would need roughly $48,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,111. That is roughly in line with the local median household income ($49,531). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

41.5%-37% vs US avg

Vacancy Rate

4.8%-53% vs US avg

Broadband Access

93.6%+8% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

5.0%-61% vs US avg

Built Post-2014

2.6%-63% vs US avg

Rent Burden >30%

10.7%-78% vs US avg

Mortgage-Free

34.6%-9% vs US avg

$173,000

Home Value

$833

Rent

1972

Year Built

2015

Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

1-unit detached32.3%
1-unit attached3.8%
2-9 units34.0%
10+ units29.6%
Mobile home & other0.3%

ZIP 04332 — Housing & Real Estate

Housing & Real Estate in ZIP Code 04332

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