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Esperance village, NY

ZIP 12066 — 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 12066

Median Home Value
$174,600
Median Rent
$597
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,122/mo PITI).

10%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.4 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 12066 in Esperance village, NY, a household would need roughly $48,000 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 $1,122. That sits below the local median household income ($71,250), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.1%+32% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
44.9%-10% vs US avg
x
Mortgage-Free
38.8%+1% vs US avg
x
$174,600
Home Value
$597
Rent
1964
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.6%
  • 1-unit attached0.7%
  • 2-9 units11.8%
  • 10+ units0.0%
  • Mobile home & other16.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,600
Median rent$597
Owner-occupied86.1%
Vacant10.9%
Price-to-income2.5x
Est. income to buy$48,000