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Fort Johnson village, NY

ZIP 12070 — 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 12070

Median Home Value
$163,900
Median Rent
$586
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,053/mo PITI).

9%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.3 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 12070 in Fort Johnson village, NY, a household would need roughly $45,000 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 $1,053. That sits below the local median household income ($78,884), 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
70.2%+7% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
83.1%-4% vs US avg
x
4+ Bedrooms
9.2%-38% vs US avg
x
Built Pre-1939
10.9%-15% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.9%-98% vs US avg
x
Mortgage-Free
50.5%+32% vs US avg
x
$163,900
Home Value
$586
Rent
1970
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached61.0%
  • 1-unit attached2.2%
  • 2-9 units11.6%
  • 10+ units0.0%
  • Mobile home & other25.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$163,900
Median rent$586
Owner-occupied70.2%
Vacant2.4%
Price-to-income2.1x
Est. income to buy$45,000