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, NY

ZIP 12431 — 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 12431

Median Home Value
$257,900
Median Rent
$758
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,657/mo PITI).

10%
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.

28.4 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 12431 in NY, a household would need roughly $71,000 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 $1,657. That sits below the local median household income ($88,750), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.0%+33% vs US avg
x
Vacancy Rate
27.6%+168% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$257,900
Home Value
$758
Rent
1981
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached87.7%
  • 1-unit attached0.0%
  • 2-9 units4.7%
  • 10+ units0.0%
  • Mobile home & other7.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$257,900
Median rent$758
Owner-occupied87.0%
Vacant27.6%
Price-to-income2.9x
Est. income to buy$71,000