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Millbrook village, NY

ZIP 12545 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12545

Median Home Value
$414,800
Median Rent
$1,057
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,665/mo PITI).

16%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

32.7 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 12545 in Millbrook village, NY, a household would need roughly $114,000 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 $2,665. That is about 46% above the local median household income ($77,991), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
58.1%-11% vs US avg
x
Vacancy Rate
16.0%+55% vs US avg
x
Broadband Access
85.7%-2% vs US avg
x
4+ Bedrooms
5.4%-64% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.1%-52% vs US avg
x
Mortgage-Free
50.7%+33% vs US avg
x
$414,800
Home Value
$1,057
Rent
1961
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 detached63.1%
  • 1-unit attached3.6%
  • 2-9 units27.5%
  • 10+ units5.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$414,800
Median rent$1,057
Owner-occupied58.1%
Vacant16.0%
Price-to-income5.3x
Est. income to buy$114,000