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Mariaville Lake CDP, NY

ZIP 12053 — 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 12053

Median Home Value
$258,600
Median Rent
$635
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,661/mo PITI).

8%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.9 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 12053 in Mariaville Lake CDP, NY, a household would need roughly $71,000 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 $1,661. That sits below the local median household income ($99,831), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
88.8%+36% vs US avg
x
Vacancy Rate
8.8%-14% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
64.5%+30% vs US avg
x
Mortgage-Free
34.0%-11% vs US avg
x
$258,600
Home Value
$635
Rent
1972
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached87.2%
  • 1-unit attached1.8%
  • 2-9 units7.9%
  • 10+ units0.1%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$258,600
Median rent$635
Owner-occupied88.8%
Vacant8.8%
Price-to-income2.6x
Est. income to buy$71,000