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, NY

ZIP 12457 — 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 12457

Median Home Value
$386,100
Median Rent
$1,086
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,480/mo PITI).

18%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

29.6 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 12457 in NY, a household would need roughly $106,000 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 $2,480. That is about 43% above the local median household income ($73,949), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.1%+7% vs US avg
x
Vacancy Rate
17.2%+67% vs US avg
x
Broadband Access
76.2%-12% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
62.8%+64% vs US avg
x
$386,100
Home Value
$1,086
Rent
1960
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached79.5%
  • 1-unit attached4.4%
  • 2-9 units2.8%
  • 10+ units10.4%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,100
Median rent$1,086
Owner-occupied70.1%
Vacant17.2%
Price-to-income5.2x
Est. income to buy$106,000