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Peach Lake CDP, NY

ZIP 10509 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10509

Median Home Value
$430,200
Median Rent
$1,670
Affordability Snapshot
$118,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,763/mo PITI).

17%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

21.5 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 10509 in Peach Lake CDP, NY, a household would need roughly $118,000 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 $2,763. That is roughly in line with the local median household income ($120,987). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
78.2%+20% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
34.3%-10% vs US avg
x
$430,200
Home Value
$1,670
Rent
1971
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached68.6%
  • 1-unit attached9.6%
  • 2-9 units18.4%
  • 10+ units3.2%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$430,200
Median rent$1,670
Owner-occupied78.2%
Vacant6.5%
Price-to-income3.6x
Est. income to buy$118,000