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, NY

ZIP 12435 — 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 12435

Median Home Value
$262,900
Median Rent
N/A
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,689/mo PITI).

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

To comfortably buy a median-priced home in ZIP 12435 in NY, a household would need roughly $72,000 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 $1,689. That sits below the local median household income ($84,479), 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 65% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (32% built before 1939)

Owner Occupied
100.0%+53% vs US avg
x
Vacancy Rate
65.3%+534% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
13.3%-10% vs US avg
x
Built Pre-1939
31.6%+147% vs US avg
x
Built Post-2014
0.0%
x
Mortgage-Free
57.4%+50% vs US avg
x
$262,900
Home Value
N/A
Rent
1950
Year Built
2001
Moved In

Residents have lived here since ~2001 on average

Housing Structure

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

  • 1-unit detached83.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units3.6%
  • Mobile home & other13.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$262,900
Median rent$-666,666,666
Owner-occupied100.0%
Vacant65.3%
Price-to-income3.1x
Est. income to buy$72,000