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, NY

ZIP 12173 — 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 12173

Median Home Value
$219,700
Median Rent
$1,066
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,411/mo PITI).

16%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.2 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 12173 in NY, a household would need roughly $60,000 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 $1,411. That sits below the local median household income ($80,500), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.7%+23% vs US avg
x
Vacancy Rate
12.1%+17% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.0%-86% vs US avg
x
Mortgage-Free
38.5%+1% vs US avg
x
$219,700
Home Value
$1,066
Rent
1975
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached74.4%
  • 1-unit attached4.1%
  • 2-9 units11.0%
  • 10+ units0.0%
  • Mobile home & other10.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$219,700
Median rent$1,066
Owner-occupied80.7%
Vacant12.1%
Price-to-income2.7x
Est. income to buy$60,000