US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12076
  5. Housing & Real Estate
, NY

ZIP 12076 — 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 12076

Median Home Value
$218,200
Median Rent
$800
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,402/mo PITI).

13%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.7 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 12076 in NY, a household would need roughly $60,000 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 $1,402. That sits below the local median household income ($73,056), 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 50% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.9%+44% vs US avg
x
Vacancy Rate
50.3%+388% vs US avg
x
Broadband Access
87.2%+0% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.1%-25% vs US avg
x
Mortgage-Free
60.2%+58% vs US avg
x
$218,200
Home Value
$800
Rent
1982
Year Built
2001
Moved In

Residents have lived here since ~2001 on average

Housing Structure

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

  • 1-unit detached82.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.9%
  • Mobile home & other16.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$218,200
Median rent$800
Owner-occupied93.9%
Vacant50.3%
Price-to-income3.0x
Est. income to buy$60,000