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Haviland CDP, NY

ZIP 12538 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12538

Median Home Value
$287,900
Median Rent
$1,086
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,849/mo PITI).

15%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

22.1 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 12538 in Haviland CDP, NY, a household would need roughly $79,000 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 $1,849. That is roughly in line with the local median household income ($86,641). 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
68.3%+4% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
32.0%-36% vs US avg
x
Mortgage-Free
38.6%+1% vs US avg
x
$287,900
Home Value
$1,086
Rent
1967
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 detached63.3%
  • 1-unit attached5.4%
  • 2-9 units16.6%
  • 10+ units9.8%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$287,900
Median rent$1,086
Owner-occupied68.3%
Vacant4.0%
Price-to-income3.3x
Est. income to buy$79,000