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Pawling village, NY

ZIP 12564 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12564

Median Home Value
$420,900
Median Rent
$1,184
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,704/mo PITI).

13%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

29.6 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 12564 in Pawling village, NY, a household would need roughly $116,000 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 $2,704. That is roughly in line with the local median household income ($111,683). 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
76.9%+18% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
31.1%-37% vs US avg
x
Mortgage-Free
36.0%-6% vs US avg
x
$420,900
Home Value
$1,184
Rent
1973
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 detached71.2%
  • 1-unit attached6.2%
  • 2-9 units11.4%
  • 10+ units8.3%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$420,900
Median rent$1,184
Owner-occupied76.9%
Vacant8.7%
Price-to-income3.8x
Est. income to buy$116,000