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Saugerties village, NY

ZIP 12477 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12477

Median Home Value
$292,100
Median Rent
$1,088
Affordability Snapshot
$80,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,876/mo PITI).

18%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

22.4 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 12477 in Saugerties village, NY, a household would need roughly $80,000 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 $1,876. That is roughly in line with the local median household income ($72,353). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.7%+2% vs US avg
x
Vacancy Rate
12.3%+19% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
27.9%-44% vs US avg
x
Mortgage-Free
47.5%+24% vs US avg
x
$292,100
Home Value
$1,088
Rent
1965
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached65.8%
  • 1-unit attached3.3%
  • 2-9 units21.5%
  • 10+ units6.6%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$292,100
Median rent$1,088
Owner-occupied66.7%
Vacant12.3%
Price-to-income4.0x
Est. income to buy$80,000