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Stone Ridge CDP, NY

ZIP 12484 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12484

Median Home Value
$441,500
Median Rent
$1,117
Affordability Snapshot
$122,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,836/mo PITI).

12%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

32.9 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 12484 in Stone Ridge CDP, NY, a household would need roughly $122,000 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 $2,836. That is roughly in line with the local median household income ($116,023). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
91.5%+40% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$441,500
Home Value
$1,117
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 detached83.0%
  • 1-unit attached1.4%
  • 2-9 units4.8%
  • 10+ units0.0%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$441,500
Median rent$1,117
Owner-occupied91.5%
Vacant7.3%
Price-to-income3.8x
Est. income to buy$122,000