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Rotterdam CDP, NY

ZIP 12303 — 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 12303

Median Home Value
$227,500
Median Rent
$942
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,461/mo PITI).

15%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.1 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 12303 in Rotterdam 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 $1,461. That sits below the local median household income ($77,615), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
72.1%+10% vs US avg
x
Vacancy Rate
6.0%-42% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
11.7%-8% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
38.3%-23% vs US avg
x
Mortgage-Free
34.1%-11% vs US avg
x
$227,500
Home Value
$942
Rent
1957
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached66.0%
  • 1-unit attached4.9%
  • 2-9 units23.9%
  • 10+ units5.1%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$227,500
Median rent$942
Owner-occupied72.1%
Vacant6.0%
Price-to-income2.9x
Est. income to buy$63,000