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, NY

ZIP 12514 — 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 12514

Median Home Value
$411,900
Median Rent
$646
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,646/mo PITI).

7%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

53.1 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 12514 in NY, a household would need roughly $113,000 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 $2,646. That is roughly in line with the local median household income ($115,147). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.7%+43% vs US avg
x
Vacancy Rate
12.7%+23% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
11.8%-76% vs US avg
x
Mortgage-Free
35.0%-8% vs US avg
x
$411,900
Home Value
$646
Rent
1971
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached95.5%
  • 1-unit attached0.0%
  • 2-9 units2.8%
  • 10+ units0.0%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$411,900
Median rent$646
Owner-occupied93.7%
Vacant12.7%
Price-to-income3.6x
Est. income to buy$113,000