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Kinderhook village, NY

ZIP 12106 — 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 12106

Median Home Value
$278,000
Median Rent
$1,175
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,786/mo PITI).

17%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.7 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 12106 in Kinderhook village, NY, a household would need roughly $77,000 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 $1,786. That is roughly in line with the local median household income ($80,735). 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
86.5%+32% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.8%-84% vs US avg
x
Mortgage-Free
49.1%+29% vs US avg
x
$278,000
Home Value
$1,175
Rent
1964
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached81.8%
  • 1-unit attached0.7%
  • 2-9 units7.1%
  • 10+ units0.9%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$278,000
Median rent$1,175
Owner-occupied86.5%
Vacant9.6%
Price-to-income3.4x
Est. income to buy$77,000