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Wynantskill CDP, NY

ZIP 12198 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12198

Median Home Value
$282,200
Median Rent
$1,045
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,813/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 12198 in Wynantskill CDP, NY, a household would need roughly $78,000 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 $1,813. That sits below the local median household income ($113,042), 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
75.2%+15% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
10.5%-18% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
13.2%-73% vs US avg
x
Mortgage-Free
35.5%-7% vs US avg
x
$282,200
Home Value
$1,045
Rent
1965
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached77.6%
  • 1-unit attached2.1%
  • 2-9 units16.0%
  • 10+ units2.7%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$282,200
Median rent$1,045
Owner-occupied75.2%
Vacant4.4%
Price-to-income2.5x
Est. income to buy$78,000