ZIP 12475 — Housing & Real Estate

To comfortably buy a median-priced home in ZIP 12475 in Ruby CDP, NY, a household would need roughly $96,000 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 $2,248. That is about 21% above the local median household income ($79,402), 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.