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Watervliet city, NY

ZIP 12189 — 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 12189

Median Home Value
$199,600
Median Rent
$932
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,282/mo PITI).

18%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.8 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 12189 in Watervliet city, NY, a household would need roughly $55,000 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 $1,282. That sits below the local median household income ($62,763), 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
41.4%-37% vs US avg
x
Vacancy Rate
12.2%+18% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
6.0%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.7%-50% vs US avg
x
Mortgage-Free
40.8%+7% vs US avg
x
$199,600
Home Value
$932
Rent
1953
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached30.9%
  • 1-unit attached5.3%
  • 2-9 units42.0%
  • 10+ units21.8%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$199,600
Median rent$932
Owner-occupied41.4%
Vacant12.2%
Price-to-income3.2x
Est. income to buy$55,000