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, NY

ZIP 12160 — 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 12160

Median Home Value
$159,800
Median Rent
$831
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,027/mo PITI).

14%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.0 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 12160 in NY, a household would need roughly $44,000 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 $1,027. That sits below the local median household income ($70,833), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.3%+21% vs US avg
x
Vacancy Rate
19.7%+91% vs US avg
x
Broadband Access
85.2%-2% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
4.3%-91% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$159,800
Home Value
$831
Rent
1970
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached72.2%
  • 1-unit attached1.2%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other25.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$159,800
Median rent$831
Owner-occupied79.3%
Vacant19.7%
Price-to-income2.3x
Est. income to buy$44,000