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, NY

ZIP 12474 — 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 12474

Median Home Value
$213,300
Median Rent
$636
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,370/mo PITI).

14%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

27.9 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 12474 in NY, a household would need roughly $59,000 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 $1,370. That is roughly in line with the local median household income ($54,462). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 56% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
92.7%+42% vs US avg
x
Vacancy Rate
55.7%+440% vs US avg
x
Broadband Access
87.6%+1% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
11.0%-14% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
54.5%+10% vs US avg
x
Mortgage-Free
61.6%+61% vs US avg
x
$213,300
Home Value
$636
Rent
1975
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached74.8%
  • 1-unit attached8.7%
  • 2-9 units2.0%
  • 10+ units0.0%
  • Mobile home & other14.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$213,300
Median rent$636
Owner-occupied92.7%
Vacant55.7%
Price-to-income3.9x
Est. income to buy$59,000