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Poestenkill CDP, NY

ZIP 12140 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12140

Median Home Value
$305,400
Median Rent
$913
Affordability Snapshot
$84,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,962/mo PITI).

9%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.9 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 12140 in Poestenkill CDP, NY, a household would need roughly $84,000 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 $1,962. That sits below the local median household income ($120,476), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
90.5%+38% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.8%-86% vs US avg
x
Mortgage-Free
34.4%-10% vs US avg
x
$305,400
Home Value
$913
Rent
1968
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached86.5%
  • 1-unit attached0.0%
  • 2-9 units13.5%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$305,400
Median rent$913
Owner-occupied90.5%
Vacant4.0%
Price-to-income2.5x
Est. income to buy$84,000