Home
States
ZIP 05074
Housing & Real Estate

ZIP 05074 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05074

Median Home Value

$241,300

Median Rent

$987

Affordability Snapshot

$66,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,550/mo PITI).

17%

Rent-to-Income Ratio

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

3.4x

Home Price-to-Income Ratio

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

20.4 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 05074, a household would need roughly $66,000 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 $1,550. That is roughly in line with the local median household income ($71,438). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

81.7%+25% vs US avg

Vacancy Rate

18.8%+82% vs US avg

Broadband Access

81.5%-6% vs US avg

4+ Bedrooms

4.5%-69% vs US avg

Built Pre-1939

0.3%-98% vs US avg

Built Post-2014

2.3%-67% vs US avg

Rent Burden >30%

25.2%-49% vs US avg

Mortgage-Free

40.7%+7% vs US avg

$241,300

Home Value

$987

Rent

1973

Year Built

2005

Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

1-unit detached87.3%
1-unit attached2.4%
2-9 units6.6%
10+ units0.9%
Mobile home & other2.8%

ZIP 05074 — Housing & Real Estate

Housing & Real Estate in ZIP Code 05074

Explore related to ZIP 05074

Housing & Real Estate key statistics