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Stillwater village, NY

ZIP 12170 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12170

Median Home Value
$252,500
Median Rent
$998
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,622/mo PITI).

12%
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.

21.1 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 12170 in Stillwater village, NY, a household would need roughly $70,000 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 $1,622. That sits below the local median household income ($100,469), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.4%+20% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
90.6%+4% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.4%-77% vs US avg
x
Mortgage-Free
43.3%+13% vs US avg
x
$252,500
Home Value
$998
Rent
1979
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached67.1%
  • 1-unit attached1.6%
  • 2-9 units15.9%
  • 10+ units1.0%
  • Mobile home & other14.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$252,500
Median rent$998
Owner-occupied78.4%
Vacant10.9%
Price-to-income2.5x
Est. income to buy$70,000