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, NY

ZIP 12444 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12444

Median Home Value
$352,900
Median Rent
N/A
Affordability Snapshot
$97,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,267/mo PITI).

6.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 12444 in NY, a household would need roughly $97,000 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 $2,267. That is about 76% above the local median household income ($55,000), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 66% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.1%+45% vs US avg
x
Vacancy Rate
65.6%+537% vs US avg
x
Broadband Access
76.8%-12% vs US avg
x
4+ Bedrooms
11.9%-19% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
82.7%+116% vs US avg
x
$352,900
Home Value
N/A
Rent
1979
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached98.3%
  • 1-unit attached0.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$352,900
Median rent$-666,666,666
Owner-occupied95.1%
Vacant65.6%
Price-to-income6.4x
Est. income to buy$97,000