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, NY

ZIP 12494 — 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 12494

Median Home Value
$361,700
Median Rent
N/A
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,323/mo PITI).

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 12494 in NY, a household would need roughly $100,000 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 $2,323. That sits below the local median household income ($140,750), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 47% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
97.4%+49% vs US avg
x
Vacancy Rate
46.5%+352% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
11.8%-69% vs US avg
x
$361,700
Home Value
N/A
Rent
1991
Year Built
1997
Moved In

Residents have lived here since ~1997 on average

Housing Structure

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

  • 1-unit detached79.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other20.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$361,700
Median rent$-666,666,666
Owner-occupied97.4%
Vacant46.5%
Price-to-income2.6x
Est. income to buy$100,000