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Worcester CDP, NY

ZIP 12197 — 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 12197

Median Home Value
$163,300
Median Rent
$575
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,049/mo PITI).

9%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.7 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 12197 in Worcester CDP, NY, a household would need roughly $45,000 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 $1,049. That sits below the local median household income ($78,750), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.3%+46% vs US avg
x
Vacancy Rate
36.2%+251% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
10.2%-31% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
21.6%-56% vs US avg
x
Mortgage-Free
54.2%+42% vs US avg
x
$163,300
Home Value
$575
Rent
1947
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached82.9%
  • 1-unit attached0.0%
  • 2-9 units3.0%
  • 10+ units0.0%
  • Mobile home & other14.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$163,300
Median rent$575
Owner-occupied95.3%
Vacant36.2%
Price-to-income2.1x
Est. income to buy$45,000