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Middleburgh village, NY

ZIP 12122 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12122

Median Home Value
$172,800
Median Rent
$791
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,110/mo PITI).

17%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

18.2 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 12122 in Middleburgh village, NY, a household would need roughly $48,000 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 $1,110. That sits below the local median household income ($54,308), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.5%+20% vs US avg
x
Vacancy Rate
27.5%+167% vs US avg
x
Broadband Access
86.9%-0% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.4%-35% vs US avg
x
Mortgage-Free
49.8%+30% vs US avg
x
$172,800
Home Value
$791
Rent
1963
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 detached73.2%
  • 1-unit attached0.5%
  • 2-9 units13.2%
  • 10+ units0.6%
  • Mobile home & other12.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,800
Median rent$791
Owner-occupied78.5%
Vacant27.5%
Price-to-income3.2x
Est. income to buy$48,000