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Philmont village, NY

ZIP 12565 — 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 12565

Median Home Value
$215,700
Median Rent
$812
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,386/mo PITI).

15%
Rent-to-Income Ratio

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

3.4x
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 12565 in Philmont village, NY, a household would need roughly $59,000 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 $1,386. That is roughly in line with the local median household income ($62,972). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.3%-9% vs US avg
x
Vacancy Rate
23.4%+127% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
6.5%-50% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.2%-90% vs US avg
x
Mortgage-Free
30.8%-19% vs US avg
x
$215,700
Home Value
$812
Rent
1938
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 detached50.5%
  • 1-unit attached3.1%
  • 2-9 units39.7%
  • 10+ units5.1%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$215,700
Median rent$812
Owner-occupied59.3%
Vacant23.4%
Price-to-income3.4x
Est. income to buy$59,000