US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12523
  5. Housing & Real Estate
, NY

ZIP 12523 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12523

Median Home Value
$331,600
Median Rent
$996
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,130/mo PITI).

22%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.7 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 12523 in NY, a household would need roughly $91,000 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 $2,130. That is about 68% above the local median household income ($54,128), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.6%+20% vs US avg
x
Vacancy Rate
21.5%+109% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.0%-34% vs US avg
x
Mortgage-Free
65.0%+70% vs US avg
x
$331,600
Home Value
$996
Rent
1969
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached71.3%
  • 1-unit attached1.7%
  • 2-9 units9.4%
  • 10+ units0.4%
  • Mobile home & other17.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$331,600
Median rent$996
Owner-occupied78.6%
Vacant21.5%
Price-to-income6.1x
Est. income to buy$91,000