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, NY

ZIP 12148 — 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 12148

Median Home Value
$406,100
Median Rent
$1,102
Affordability Snapshot
$112,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,609/mo PITI).

10%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.7 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 12148 in NY, a household would need roughly $112,000 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 $2,609. That sits below the local median household income ($135,694), 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
82.0%+25% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
88.9%+2% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
1.7%-86% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
40.9%-18% vs US avg
x
Mortgage-Free
42.6%+12% vs US avg
x
$406,100
Home Value
$1,102
Rent
1989
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached80.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units19.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$406,100
Median rent$1,102
Owner-occupied82.0%
Vacant7.1%
Price-to-income3.0x
Est. income to buy$112,000