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, NY

ZIP 12503 — 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 12503

Median Home Value
$458,300
Median Rent
N/A
Affordability Snapshot
$126,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,944/mo PITI).

4.4x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 12503 in NY, a household would need roughly $126,000 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 $2,944. That is about 21% above the local median household income ($104,375), 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.

Housing Tenure

Vacancy rate 47% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.7%+28% vs US avg
x
Vacancy Rate
46.8%+354% vs US avg
x
Broadband Access
83.7%-4% vs US avg
x
4+ Bedrooms
9.1%-39% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
59.8%+56% vs US avg
x
$458,300
Home Value
N/A
Rent
1982
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached91.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other8.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$458,300
Median rent$-666,666,666
Owner-occupied83.7%
Vacant46.8%
Price-to-income4.4x
Est. income to buy$126,000