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Speculator village, NY

ZIP 12108 — 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 12108

Median Home Value
$275,000
Median Rent
$724
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,767/mo PITI).

11%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

31.7 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 12108 in Speculator village, NY, a household would need roughly $76,000 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 $1,767. That is roughly in line with the local median household income ($76,786). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 76% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.1%+3% vs US avg
x
Vacancy Rate
75.8%+636% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
42.9%-14% vs US avg
x
Mortgage-Free
80.7%+111% vs US avg
x
$275,000
Home Value
$724
Rent
1969
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 detached83.5%
  • 1-unit attached0.0%
  • 2-9 units2.0%
  • 10+ units0.0%
  • Mobile home & other14.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$275,000
Median rent$724
Owner-occupied67.1%
Vacant75.8%
Price-to-income3.6x
Est. income to buy$76,000