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ZIP 12089 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2016–2020 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 12089

Median Home Value
$228,800
Median Rent
$778
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,470/mo PITI).

11%
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.

24.5 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 12089, a household would need roughly $63,000 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 $1,470. That sits below the local median household income ($86,648), 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
79.9%+22% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
8.3%-44% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
42.7%+12% vs US avg
x
$228,800
Home Value
$778
Rent
1973
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 detached86.6%
  • 1-unit attached0.0%
  • 2-9 units5.7%
  • 10+ units3.3%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$228,800
Median rent$778
Owner-occupied79.9%
Vacant9.9%
Price-to-income2.6x
Est. income to buy$63,000