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West Sand Lake CDP, NY

ZIP 12196 — 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 12196

Median Home Value
$338,400
Median Rent
$952
Affordability Snapshot
$93,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,174/mo PITI).

9%
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.

29.6 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 12196 in West Sand Lake CDP, NY, a household would need roughly $93,000 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 $2,174. That sits below the local median household income ($126,825), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
91.3%+40% vs US avg
x
Vacancy Rate
0.5%-95% vs US avg
x
Broadband Access
99.4%+14% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
36.3%-27% vs US avg
x
Mortgage-Free
24.8%-35% vs US avg
x
$338,400
Home Value
$952
Rent
1981
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached91.9%
  • 1-unit attached0.0%
  • 2-9 units7.0%
  • 10+ units0.4%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$338,400
Median rent$952
Owner-occupied91.3%
Vacant0.5%
Price-to-income2.7x
Est. income to buy$93,000