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Scotchtown CDP, NY

ZIP 10941 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 10941

Median Home Value
$325,700
Median Rent
$1,487
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,092/mo PITI).

19%
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.

18.3 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 10941 in Scotchtown CDP, NY, a household would need roughly $90,000 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 $2,092. That is roughly in line with the local median household income ($95,938). 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
59.3%-9% vs US avg
x
Vacancy Rate
1.1%-90% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
3.8%-45% vs US avg
x
Rent Burden >30%
23.4%-53% vs US avg
x
Mortgage-Free
30.6%-20% vs US avg
x
$325,700
Home Value
$1,487
Rent
1979
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached50.9%
  • 1-unit attached6.7%
  • 2-9 units20.7%
  • 10+ units17.0%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$325,700
Median rent$1,487
Owner-occupied59.3%
Vacant1.1%
Price-to-income3.4x
Est. income to buy$90,000