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Niskayuna CDP, NY

ZIP 12309 — 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 12309

Median Home Value
$301,100
Median Rent
$1,238
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,934/mo PITI).

12%
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.

20.3 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 12309 in Niskayuna CDP, NY, a household would need roughly $83,000 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 $1,934. That sits below the local median household income ($119,830), 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
82.7%+26% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
7.5%-49% vs US avg
x
Built Pre-1939
8.1%-37% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
14.1%-72% vs US avg
x
Mortgage-Free
37.5%-2% vs US avg
x
$301,100
Home Value
$1,238
Rent
1963
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached80.8%
  • 1-unit attached2.7%
  • 2-9 units8.0%
  • 10+ units8.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$301,100
Median rent$1,238
Owner-occupied82.7%
Vacant5.8%
Price-to-income2.5x
Est. income to buy$83,000