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New Paltz village, NY

ZIP 12561 — 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 12561

Median Home Value
$411,600
Median Rent
$1,500
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,644/mo PITI).

20%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

22.9 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 12561 in New Paltz village, 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 $2,644. That is about 26% above the local median household income ($89,694), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.8%-10% vs US avg
x
Vacancy Rate
9.0%-13% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
3.8%-71% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
42.1%+10% vs US avg
x
$411,600
Home Value
$1,500
Rent
1973
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached56.1%
  • 1-unit attached4.6%
  • 2-9 units20.0%
  • 10+ units12.2%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$411,600
Median rent$1,500
Owner-occupied58.8%
Vacant9.0%
Price-to-income4.6x
Est. income to buy$113,000