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Chatham village, NY

ZIP 12037 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12037

Median Home Value
$345,400
Median Rent
$933
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,219/mo PITI).

12%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

30.9 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 12037 in Chatham village, NY, a household would need roughly $95,000 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 $2,219. That is roughly in line with the local median household income ($93,990). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.9%+8% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
7.1%-52% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
22.3%-55% vs US avg
x
Mortgage-Free
48.3%+27% vs US avg
x
$345,400
Home Value
$933
Rent
1938
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached63.5%
  • 1-unit attached1.3%
  • 2-9 units21.9%
  • 10+ units4.4%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$345,400
Median rent$933
Owner-occupied70.9%
Vacant15.1%
Price-to-income3.7x
Est. income to buy$95,000