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New Baltimore CDP, NY

ZIP 12192 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12192

Median Home Value
$229,600
Median Rent
$542
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,475/mo PITI).

9%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

35.3 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 12192 in New Baltimore CDP, NY, a household would need roughly $63,000 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 $1,475. That sits below the local median household income ($74,293), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.9%+28% vs US avg
x
Vacancy Rate
17.9%+74% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
3.5%-49% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
59.7%+56% vs US avg
x
$229,600
Home Value
$542
Rent
1970
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached81.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other18.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,600
Median rent$542
Owner-occupied83.9%
Vacant17.9%
Price-to-income3.1x
Est. income to buy$63,000